It depends... Some apps can be created quickly. I created this one in just 26 hours. However, some apps cost millions. It can be anything in between.
As a startup, you may want to keep it cheap and efficient. To keep it as cheap as possible, I think the following principles should be thought through.
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Keep it simple, focus on your USP. Don't recreate other things, imitation is procastrination. I've made this mistake many times.
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Use React Native (Web), instead of Native Android, Native iOS, and some Web Framework.
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Keep your development environment simple. Preferably, use just one language.
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Premature scaling is the root of all evil.
If you want to, I can give you an estimation... Send me a message!