Breaking down Jimmy Garoppolo’s contract with the 49ers

playGaroppolo happy to be on 49ers for long time (1:02)Jimmy Garoppolo is glad his new deal was done quickly and thinks it will help the 49ers attract free agents. (1:02)

SANTA CLARA, Calif. — The San Francisco 49ers and quarterback Jimmy Garoppolo finalized the next big NFL contract this past Thursday, a five-year, $137.5 million deal that opened plenty of eyes around the league.

As is always the case in these situations, though, the numbers aren’t quite as overwhelming as they seem at first glance. Garoppolo’s deal comes with $74.1 million in guarantees, including those for injury. But the true guarantee at signing came out to $48.7 million, which falls well below other true guarantees such as the one given to Detroit quarterback Matthew Stafford. Most of that is paid out over the first couple of years, leaving the 49ers flexibility moving forward.

The deal also includes a $7 million signing bonus, which is prorated over the course of five years and a whopping $28 million roster bonus for 2018, which is also guaranteed.

Here’s the full year-by-year breakdown of Garoppolo’s deal with the Niners with numbers courtesy of ESPN’s Adam Schefter and ESPN Stats & Info:

SANTA CLARA, CA – NOVEMBER 05: Jimmy Garoppolo #10 of the San Francisco 49ers warms up prior to their game against the Arizona Cardinals at Levi’s Stadium on November 5, 2017 in Santa Clara, California. (Photo by Lachlan Cunningham/Getty Images)

San Francisco 49ers fans don’t have to worry about quarterback Jimmy Garoppolo hitting the free-agent market anytime soon. Nor do they have to be concerned about the awkwardness created by applying a franchise tag.

Garoppolo will be in Santa Clara for the next five years after signing the largest deal in NFL history — one that actually gives the Niners an easy out after two years.

To ensure that thought never comes close to happening, Garoppolo will have to live up to the expectations he’s worthy of being a franchise quarterback. And with that comes predictions specifying what will happen in year one of his brand new deal.

In this slideshow, we’ll make three of those predictions but go the bold route.

There are a few key points to consider here. Garoppolo already flashed signs of brilliance in limited action to close out 2017. This was all pointed out by Pro Football Focus’ Michael Renner at the season’s conclusion. Garoppolo was successfully engineering San Francisco’s offense with a sub-par supporting cast and a limited knowledge of head coach Kyle Shanahan’s playbook.

Still armed with a flurry of cap space and a top-10 pick in the 2018 NFL Draft, the 49ers are still in great position to help Garoppolo thrive even more.

With that as a backdrop, let’s dish out some bold predictions for the Niners quarterback heading into 2018.

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