I’ve made an account, but I’d like to use Unreal Engine 4 to create games for personal use, and if I were to do so, would it cost me 19 bucks just to use it for personal use?
A subscription costs $19 a month, even for personal use, but you have no obligation to continue your subscription after the first month. You are welcome to subscribe and then cancel after the first month if you want, and you can continue using the engine after that (you just won’t get future updates until you subscribe again).