A senior Flutter contractor at $75/hr costs about $78,000 for a 6-month 40h/week engagement. A US in-house hire runs roughly $195k loaded per year plus a $25k ramp, so break-even sits around month 9 as contract spend passes $120k. Under 4 months, Toptal or a vetted freelancer is typically cheaper once you include the cost of vetting an in-house candidate. Above 18 months of sustained work, in-house wins: Flutter Dart upgrade cycles, Android Gradle churn, and iOS Xcode breakage all benefit from a single engineer who owns the upgrade calendar.