The 49ers have two more cheap years of Brock Purdy, and his contract reveals why he can’t waste them

Brock Purdy is still very affordable in 2025 and 2026, but the 49ers could have a decision to make in 2027.

With Brock Purdy officially signing his five-year contract extension, the full details of the deal have become available, and were reported on Wednesday by Mike Florio of ProFootballTalk.

Purdy is slated to earn $41.1 million in 2025, $46.996 million in 2026, $27.25 million in 2027, $55.05 million in 2028, $49.95 million in 2029, and $50 million in 2030.

While his 2025 and 2026 numbers look big, Purdy will count only $9.1 million against the 2025 cap, with the bulk his payout for this year made up of a prorated $40 million signing bonus.

In 2026, when a prorated option bonus comes into effect and his base salary jumps to $8.29 million, Purdy will count $24.796 million against the cap.

That is a much more significant number than the 49ers have been used to with Purdy playing on his previous comparatively minute rookie deal, but it would still only make up just over eight percent of San Francisco’s cap expenditure for that year. For the level of play Purdy has produced in his time as starter to this point, he can still be considered cheap in 2026.

In essence, the 49ers are getting two more years in which Purdy’s affordability gives them the flexibility to stack the deck around him. The 49ers have focused on youth and adding via the draft in 2024 and 2025 and will want to hold on to their premium picks for coming years. However, if they wish to make blockbuster moves at the trade deadline or in free agency next offseason to help get over the top and win a Super Bowl, Purdy’s low cap hits should help facilitate them doing so.

For Purdy, it is imperative he proves worthy of his deal in those first two years, as the 49ers have an out in 2027.

Purdy is essentially guaranteed $115.346 million through 2027, when his cap hit would be a still reasonable $30.8 million if he remains on the roster. His cap hits for the final three years are massive. In 2028 he would count $57.6 million against the cap, with that number rising to $72.5 million in 2029 and falling to $64.5 million in 2030.

But even getting to the point where the 49ers might look to restructure his deal or do another extension to avoid those onerous cap hits hinges on Purdy’s performances across the next two campaigns.

Indeed, all of Purdy’s $55.05 million salary in 2028 becomes fully guaranteed at the start of the 2027 league year. If the 49ers cut him on or before April 1, 2027, they can avoid that substantial cost.

With the likes of George Kittle, Christian McCaffrey, Fred Warner and Trent Williams all either in or entering the back half of their careers, this 49ers group is under significant pressure to finally end the wait for a sixth Lombardi Trophy. With a date in which the 49ers could theoretically move on from him under two years away, the onus on Purdy to put San Francisco in the best position to win that elusive championship is huge.

Purdy has the deal he deserves, and the 49ers have the player they believe is the future of the franchise under a long-term contract, with the fact the deal is still cheap for the coming two seasons a useful bonus. It is imperative that both team and quarterback succeed before he becomes expensive.