For a single embedded Laravel dev the math runs different from a multi-engineer SaaS team build. One developer on a 3-month MVP build = 480 hours at $60/hr ≈ $28,800. Compare against an agency retainer at $14k/month for the same scope (~$42k all-in) or a US in-house Laravel hire at $175k loaded plus a 2-month vacancy gap. Solo embed wins decisively for a single Laravel monolith — one billing rebuild, one Horizon migration, or a Filament admin panel — under 5 months. Once the work expands to multi-tenant SaaS at 50k+ users with separate billing, admin, and queue subteams, the multi-developer engagement is the right tier instead.