Can you create an IOS app on your iphone without having to pay the fee through app store?

It's just for personal use. Just have a normal application with the icon and everything without having to pay for the app store fee?

Added (1). and How please?

Possibly… Though you would have to jailbreak the device

Yes. There's no App Store fee.

You can create a web app and run that on the phone…

http://snippetspace.com/iwebkit.html

To create and run native iOS app on your iPhone you will need Xcode on a Mac…

http://9to5mac.com/...-for-free/

To make an app available from the App Store you need to be a registered developer.