Golf handicap calculator

Enter your scores with the course rating and slope for each round and this works out your Handicap Index under the World Handicap System. No account, nothing saved, and the arithmetic is printed below so you can check it rather than trust it.

Handicap Index from 6 scores

11.7
ScoreCourse ratingSlopeDifferential
14.5
18.1
11.8counted
16.3
19.9
13.6counted
Scores counted6 of the most recent 20
Lowest differentials averaged2
Average of those12.70
Adjustment-1.0

How a handicap is calculated

Two steps. Every round becomes a Score Differential, then your lowest few differentials are averaged.

score differential = (adjusted gross score − course rating) × 113 ÷ slope rating

The 113 is the slope of a course of standard difficulty, so the multiplication rescales every round onto the same footing. Take the first round below: 92 on a course rated 71.2 with a slope of 128 works out at 18.4. Shoot the same 92 on an easier course and the differential goes up, because the round was worth less.

A worked example

Five rounds, differentials worked out for each, then averaged under the rule for five scores:

With 5 rounds posted the World Handicap System counts the lowest 1 differential with no adjustment.
ScoreCourse ratingSlopeDifferential
9271.212818.4
8870.112416.3
957213119.8
9071.212816.6
8670.112414.5

Handicap Index 14.5. The lowest 1 of those five differentials, which is the 14.5 from the last round. Notice the 92 does not drag it down: a handicap measures what you are capable of, not what you average, which is why it rewards your better rounds and ignores the rest.

How many rounds count

The number of differentials that go into the average depends on how many you have posted. Three rounds is the minimum, and the early adjustments exist because a small sample flatters you.

World Handicap System rounds-counted table
Rounds postedLowest differentials usedAdjustment
31-2
51none
82none
124none
165none
208none

At twenty rounds it settles: the lowest eight, no adjustment. That is the number most golfers mean when they say their handicap. The maximum index the system issues is 54.

Index against course handicap

Your Handicap Index travels with you. The strokes you actually receive do not: those come from the tee you are playing.

course handicap = index × (slope ÷ 113) + (course rating − par)

An index of 14.5 on a course rated 71.2 against a par of 72 with a slope of 128 gives a course handicap of 16. On a harder set of tees it rises, which is the entire point: the strokes follow the difficulty. Convert your own index for any tee.

Scratch, plus, and what each means

A scratch golfer has a Handicap Index of 0.0. It does not mean shooting par: it means playing to the course rating, which on this course is 71.2, so a scratch golfer is expected to average slightly under par here and their course handicap comes out at -1. A plus handicap is better still, written with a plus sign, and those golfers give strokes back to the course rather than receiving them: an index of +2 gives a course handicap of -3 here.

At the other end the system issues indexes up to 54, which exists so a beginner can hold a real handicap from their first three cards rather than waiting until they are good enough for one.

Even scratch is not tour standard. A scratch golfer gives up about 1 stroke a round to a tour field, and roughly 0.65 of that goes before the ball reaches the green, across 14 shots. The gap between a good amateur and a professional is almost entirely ball striking, which is the same finding that holds at every handicap below them.

Every handicap, priced

One page per handicap from 1 to 36: what it shoots, where the strokes go on Broadie’s published split, the course handicap on four typical tees, the club distances the model gives it, and what it takes to move five strokes.

Allowances by format

Competitions apply a percentage of your course handicap so the format stays fair. These are the standard allowances:

Handicap allowances by competition format
FormatAllowance
Singles stroke play100%
Singles match play100%
Four ball match play90%
Four ball stroke play85%
Individual stableford95%
Foursomes (alternate shot)50%

What the number cannot tell you

A handicap is one number for your whole game, so it says nothing about which part of it is costing you. Two golfers with the same index can be four strokes apart off the tee and four the other way on the greens. That is what strokes gained separates, and the benchmark tables show what each handicap gives up and where.

This calculator is not an official handicap. For an index that counts in competition you need scores posted with an authorised club or association.

If you are working the other way round and want to know what a given score says about your handicap, that table runs the same arithmetic backwards.

Frequently asked questions

How do you calculate a golf handicap?
Each round gives a Score Differential: your adjusted gross score minus the course rating, multiplied by 113, divided by the slope rating. Your Handicap Index is the average of the lowest few of those differentials, and how many count depends on how many rounds you have posted. With twenty rounds it is the lowest eight.
How many rounds do you need for a handicap?
Three. With three rounds the lowest single differential counts and two strokes are subtracted; the adjustment shrinks as you post more, and disappears once you have six. Twenty rounds is where the system settles into the lowest eight with no adjustment.
What is a Score Differential?
What one round was worth after the course difficulty is removed. Shooting 92 on a course rated 71.2 with a slope of 128 gives a differential of 18.4, and the same 92 on an easier course would give a higher one. It is what makes rounds on different courses comparable.
What is the difference between Handicap Index and course handicap?
Your Handicap Index is a single portable number. Your course handicap is the strokes you actually receive on the tee you are playing, worked out from that index, the slope and the course rating. A 14.2 index becomes a different course handicap on every set of tees.
What does it mean to be a scratch golfer?
A scratch golfer has a Handicap Index of 0.0, which means playing to the course rating rather than to par. On a course rated 71.2 against a par of 72 that is a course handicap of minus one, so a scratch golfer is expected to average slightly under par there. It is not the same as shooting par every time.
What is a plus handicap in golf?
Better than scratch. A plus handicap is written with a plus sign and those golfers give strokes back to the course instead of receiving them: an index of +2 becomes a course handicap of minus three on a typical course, so they add three strokes to their gross score in competition.
What is a decent handicap in golf?
Under 20 puts you ahead of a large share of golfers who keep an index at all, and single figures is genuinely good. The useful comparison is against yourself over time, which is what the system is built for.
What is a good golf handicap?
Anything under 20 puts you ahead of a large share of golfers who keep a handicap, single figures is genuinely good, and scratch means an index of 0.0. The honest answer is that the number is only useful against yourself over time, which is the whole reason the system exists.
Does this handicap calculator cost anything?
No. It runs in your browser, keeps no account and stores nothing. It is not an official handicap: for that you need a score posted with an authorised club or association, which is what makes an index count in competition.

By The PinFlag Team.

Find where the strokes go

A handicap tells you how good you are. PinFlag tells you which shots are costing you, and prices the one in front of you before you swing.