It depends, but for a novice as peter said I would recommend:
-For visual novels renpy
-For RPG... well RPG maker.
Also a personal recommendation, for the first version you ever release always have perfectly done the menus/UI design. There is nothing that will push people off more than starting RPG maker or renpy and seeing unedited starting screen and stuff. Presentation is an art and it's the first thing people will notice about your game.