If you want to cause the tank to cycle artificially, you can add urine cheaper and more safely than commercial products.
What I usually do with a new tank is to go to Foster and Smith
http://www.drsfostersmith.com/Produc...3636&subref=AC and buy Cichlid Sand. It comes wet and cost significantly more, but if theres no chlorine in your water, you will be set with a substrate 3-4 inches deep. Also, you should realize similar results by using discarded substrate from old aquariums, and you can always find someone nearby to give you 5 or 10 gallons of dirty water from an active system when they do a water change.
What you can expect to spend depends on where you get the set up equipment. I use the website I listed above almost exclusively for equipment and supplies such as food. Regardless of size, anything over 60 gallons is going to cost you about $1,000.00 to set up.
Take your time, the tank is the least expensive portion of this hobby, and patience in this hobby is not only a virtue, it is a necessity if you want to succeed.