currently my motherboard is a 760gma- p34(fx) motherboard my processor is a amd phenom 2 x4 820 processor and I’m running a nvidea GeForce 650 msi ti 1gb gpu my question is will this pc be able to play titles in low settings such as destiny 2 or other titles this year or will I need to upgrade my pc as well as recommend parts around $100 or less to upgrade
Thats a pretty old card. Theres not much you can do to your system besides getting an entire new build.
Since you have 100$ I suggest you get a Rx 460, as its in your price range and is 167% more powerful than your current GPU.
Investing in a new or second hand GPU would let you play the game you want at low-medium settings at 1080p.
The rx460 is a wise choice, or a second hang 370 or r9 380
how much do you think a new build would cost
Depends on what games you want to play, what applications you want to run; everything you want to do with it in general.
To just play most games (non-AAA) at 1080p with 60 FPS as the target; the computer will be ballpark ~$500. Sometimes you can get something decent for a little less.