If this is your first kit or build. You'll spend close or more than $100 becuase of tools that you might not
have.
The iron and heat gun combo will be around $50
Two rolls of covering $20-$30 depending on your choice.

The *4 .40 comes with wood,hinges, control roods, landing gear, engine mount, screws and binde nuts

you'll need

Wheels $5-7
Tail wheel and assembly $5
fuel tank $5
CA $ 5-10
epoxy $10-15
Wheel axial $3-5
spiner $5
fuel line $2-5
$5-10 for the tap ....so you can tap the wing bolt mount for the wing
exacto knife and blades $5-10
Sand paper $3-5.

little items..I probably left out some things...

It cost me around $150 to build a 4* .40 which as the same price as the ARF.
I like to build and bash the 4* and make my own colour scheme.
Also i knew i had to learn how to build or have a decent understanding of R/C airframe .
Becuase I crashed all 3 prebuild models (Contender, Supersporster, Avistar) which I purchased
from a FUN FLY all for $120..Learn to build so I can learn to make repairs.

If you shop around you can get an ARF for around $85-100..aonther $15-20 to have it ship to your front door.

I use to save my money for Hobbie Peaple's sale. 2-3 times per year they'll have sometype of sale
to move inventory. And the fun fly swap meet of course.
Plenty of horse trading once you join a club and get to know some of the guys.

I have more than $15000 into R/C over the years....Still cheaper than a Harley or an $80000 sand rail