SANTA CLARA, Calif. -- The San Francisco 49ers and quarterback Jimmy Garoppolo finalized the next big NFL contract on 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 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 & Information:

2018

Salary-cap charge: $37 million

Base salary: $6.2 million (guaranteed)

Signing bonus proration: $1.4 million

Roster bonus: $28 million (guaranteed)

Workout bonus: $600,000

Per-game roster bonus: Up to $800,000

2019

Salary-cap charge: $20 million

Base salary: $17.2 million ($7.5 million guaranteed)

Signing bonus proration: $1.4 million

Workout bonus: $600,000

Per-game roster bonus: Up to $800,000

2020

Salary-cap charge: $26.6 million

Base salary: $23.8 million ($15.7 million guaranteed for injury)

Signing bonus proration: $1.4 million

Workout bonus: $600,000

Per-game roster bonus: Up to $800,000

2021

Salary-cap charge: $26.9 million

Base salary: $24.1 million

Signing bonus proration: $1.4 million

Workout bonus: $600,000

Per-game roster bonus: Up to $800,000

2022

Salary-cap charge: $27 million

Base salary: $24.2 million

Signing bonus proration: $1.4 million

Workout bonus: $600,000

Per-game roster bonus: Up to $800,000