I started working with the intel xdk a few weeks ago to make HTML 5 apps that compile to Android, iOS, Blackberry, Windows phone and something else (Firefox?) using Cordova and custom javascript APIs to access phone features. You need an iOS developer account with apple (US$99 pa) to build installable apps (regardless of tool used), but I think you can test them on the device over wifi and usb without. To be honest, I've found the xdk to be a bit immature and buggy, but the developers seem responsive to issues raised in their forums.
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"Ninety percent of Americans use the Internet. The other ten percent use the banjo."
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