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The 49ers’ unique contract with Jimmy Garoppolo allows the QB to earn millions in bonus money this year

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Of Trey Lance officially ready for the season, that means Jimmy Garoppolo will take over if the 49ers starting quarterback for the rest of the year and thanks to the revised deal he signed with the team in AugustGaroppolo will almost certainly earn millions of dollars in bonus money in the coming months.

When Garoppolo agreed to restructure his contract with the 49ers, he accepted a deal that paid him just $6.5 million in guaranteed money before 2022. However, the contract also came with millions of dollars in incentives that he could earn if he became the starting QB this season, which is happening now.

So how much could Garoppolo earn on top of his $6.5 million salary? Let’s see (via NFL.com)

  • He is only paid because he is on the active roster. Every week Garoppolo is active — he doesn’t even have to start — he gets about $29,000 in bonus money. Throughout the season, Garoppolo can earn up to $500,000 in roster bonuses per game. Expect to earn: $500,000.
  • Advantages of the starter are. For every game in which Garoppolo gets at least 25% of the snaps at quarterback, he gets a $250,000 bonus. That means he made $250,000 in Week 2. If he stays healthy, he’ll get a $250,000 bonus on each of his next 15 game checks. Expect to earn: $4 million.
  • Winning pays off. On top of the $250,000, Garoppolo also gets $100,000 if the 49ers WIN a game in which he plays at least 25% of the snaps. For this exercise, we say the 49ers win 10 games. Expect to earn: $1 million.
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In a nutshell, if Garoppolo plays 25% of the snaps in a game and the 49ers win, he will earn $350,000 in bonus money each week plus his $29,000 active roster bonus. Those two numbers combined are more than double his base salary for any game this year ($361,000).

So what did Garoppolo think of picking up over $300,000 in bonus money on Sunday?

Over the course of the regular season, Garoppolo can make $5.5 million on top of his $6.5 million salary (that $5.5 million could turn into $6.1 million if he doesn’t lose any games).

Garoppolo can also earn even more money through various play-off incentives:

  • He gets $500,000 for taking 50% of the snaps in a playoff game.
  • He gets another $500,000 if he takes 50% of the snaps in the NFC title game and the 49ers win.
  • He also gets $1 million if he gets 50% of the snaps in the . takes Super Bowl.

With those incentives, Garoppolo can add another $3 million in bonus money if the 49ers play in the wild card round and go all the way to the Super Bowl.

Basically, Garoppolo will have a lot of extra incentive to win matches this year and that incentive is that his salary is directly linked to San Francisco’s success.

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