my answer does not apply to smartphones (symbian OS) but for feature phones (Java phones) its not hard to use the real platform. you can install relevant application loader (relevant to your phone vendor) on your PC and then connect the phone to your PC and through the application loader, transfer the game onto your phone.

otherwise, as suggested by others you still should be able to use Java WTK or CoreWorrier IDE and utilize their simulators to your your game.