As of August 29, Stephen Curry is eligible to sign at most a two-year, $136.7 million deal, which the Warriors are reportedly happy to offer him at this point in his career, despite his age of 38.
Under the Over 38 rule in the collective bargaining agreement (CBA), any player over 38 can sign only a two-year contract with the same team that employs them, or a three-year contract if they become a free agent.
Therefore, Stephen Curry, who turns 39 in March 2027, will become eligible for a three-year extension next summer valued at over $200 million, which may be why Curry is waiting.
There is also a chance he may want to test free agency at least once in his career to contend for a championship, since he is not expected to leverage his contract extension into forcing the Warriors to make roster changes. But there is an 'overwhelming likelihood' that Stephen Curry will retire with the Warriors.
"But if he waits, whether as a statement about the roster or simply because he wants to see what happens next, the uncertainty would create the type of lingering distraction that will hover over the group until there is resolution. That's the catch-22 Curry faces."

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