“I want Brock to be our quarterback for as long as we’re here and beyond.” That’s the 49ers’ general manager, John Lynch, announcing that Purdy’s contract negotiation has been commenced. And believe me, this announcement is now a couple of months old. The result? No contract talks. No extension. Not even a whisper.
Picture this: when it comes to a full-scale roster shuffle this off-season, the front office has been moving pieces like a game of chess, making big decisions left and right. And yet, Purdy, who’s ready to enter the final season of his rookie deal, isn’t close to getting a deal done. To make things even worse for Purdy, the NFL insider Adam Schefter believes that the 49ers could franchise tag him instead of offering a contract extension.
“I think people forget the fact that if they can’t get a deal done, the Niners simply could have him play this year for $5.1 million, tag him again next year for $41 million, and tag him the year after for $51 million,” Schefter said earlier this month on his podcast. But let’s be real—tagging him and paying him around $97 million for the next three seasons could be a smart move for the franchise. But for the QB? Nope.
If the 49ers decide to franchise tag Purdy, it could put him in a tough financial spot. While the tag guarantees him a high salary for one season, it comes with a lot of risks and uncertainty. For 2025, the franchise tag for quarterbacks is set at $41.325 million. If the 49ers tag him again in 2026, his salary would increase to $49.59 million (120% of the previous year’s salary). A third tag in 2027 would jump to $71.42 million (144% of the second tag). That totals $162.33 million over three years, but with zero long-term security.
Compare that to a long-term extension. Reports suggest Purdy is looking for a deal worth $50 million per year. A five-year, $250 million contract would likely include over $120 million in guarantees, ensuring financial security for years to come. Unlike the franchise tag, a long-term contract locks in stability, protects against injuries, and gives Purdy the ability to negotiate his worth.
The biggest downside of the franchise tag? No leverage. Once tagged, Purdy can’t negotiate with other teams, meaning he’s stuck playing year-to-year at the mercy of the 49ers. If he gets injured or struggles, his chances of landing a massive deal shrink. He also misses out on signing bonuses and incentives that come with long-term deals.
So while the franchise tag may seem like a big payday in the short term, it’s a risky move for Purdy.
“Brock Purdy probably, or at least his agent probably, would be disappointed to have to play for $97 million over the next three years, but the Niners have his rights,” Schefter further said. See, the 49ers want to keep Purdy, and there’s no doubt about that. The catch? Well, they’re financially limited at this point.
In the last season, they already extended Brandon Aiyuk on a four-year $120 million deal and handed Deommodore Lenoir a five-year $88.9 million contract. Fast forward to now—16 players gone, Deebo Samuel shipped off to the Commanders, and the roster looking like it just took a heavy punch.
And amidst this chaos, extending Purdy for… let’s just say nearly $50 million per year? Yeah, that’s probably going to sting their financial recalibration. But if you’re thinking that this debate is done now—well, give it another try.
Brock Purdy’s contract is still on the cards
Here’s the deal: San Francisco hasn’t extended Purdy’s contract, no doubt. And honestly, besides their financial concerns, there could be certain reasons behind that. Whether it’s his 6-9 record in the 2024 season or those 23 interceptions in the last couple of years. Every penny counts. But let’s not kid ourselves—the 49ers believe that Purdy’s their guy. And his contract extension is going to play a crucial role in this offseason.
And that’s where ESPN’s Albert Breer comes in. Breer believes that the 49ers’ downfall in the 2025 offseason is basically overstated. Of course, the team has $78 million in dead money for players no longer on the roster. But as per Breer, it’s more of a roster refresh instead of a complete teardown.
See it this way, “While a good chunk of the core of the 2023 Super Bowl team is gone now, the Niners did get ahead of a few potential losses, signing Brandon Aiyuk (four years, $120 million) and Deommodore Lenoir (five years, $88.9 million) to long-term contracts, and Jauan Jennings (two years, $15.4 million) and Colton McKivitz (1 year, $5.85 million) to shorter-term deals,” Breer noted in his recent column.
On top of that, with Nick Bosa, Fred Warner, Trent Williams and Christian McCaffrey already on the roster. Breer believes that Brock Purdy’s contract extension is also coming. Sure, there’s not an official confirmation on Purdy’s contract extension yet. And don’t believe he’s going to get over $60M.
But it’s unlikely that the 49ers would mess around with their QB’s contract. After all, their plan is to win a Lombardi with Brock Purdy.
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