Course handicap and playing handicap calculator

To calculate your course handicap, multiply your Handicap Index by the Slope Rating of your tee, divide by 113, add the Course Rating minus par, and round to the nearest whole number. Your playing handicap is that course handicap multiplied by the handicap allowance for the format you are playing.

By Donato Di Ferdinando, creator of Wedge. Updated .

Results update as you type.

The tee
Use the 18-hole Course Rating, Slope Rating and par for the tee you are playing.
Format
Handicap allowance
The USGA recommends 95% for individual stroke play and 100% for singles match play.
Players
Enter a plus handicap as +2.1. Everyone plays the same tee.

Results

Course handicap12.4 × 128 / 113 + (71.2 − 72) = 13.2, rounded to 13.
13
Playing handicap95% of 13 = 12.4, rounded to 12.
12

Course handicap 13, playing handicap 12

The course handicap formula

Under the World Handicap System (Rule 6.1 of the Rules of Handicapping), course handicap = Handicap Index × (Slope Rating ÷ 113) + (Course Rating minus par). A Slope Rating of 113 is the rating of a course of standard difficulty, so dividing by 113 scales your index up on a harder tee and down on an easier one. The Course Rating minus par term adds strokes on a tee rated above par and removes them on a tee rated below it.

The result is rounded to the nearest whole number, with a half rounding up: an unrounded 12.5 is a course handicap of 13. Use the Course Rating, Slope Rating and par for the tee you are playing, since each set of tees on a course has its own.

StepCalculationResult
Handicap IndexFrom your handicap record12.4
Index adjusted for slope12.4 × 128 ÷ 11314.05
Course Rating minus par71.2 minus 72-0.8
Unrounded course handicap14.05 minus 0.813.25
Course handicapRounded to the nearest whole number13
Worked example: a 12.4 Handicap Index on a tee with a Course Rating of 71.2, a Slope Rating of 128 and a par of 72.

Course handicaps for nine holes

For a nine-hole round, use half of your Handicap Index, rounded to one decimal place with a half rounding up, and the nine-hole Course Rating, Slope Rating and par for the nine you are playing. The formula is otherwise the same.

For example, a player with a Handicap Index of 8.7 uses half of it, 4.35, rounded to 4.4. On a nine with a Course Rating of 35.3, a Slope Rating of 121 and a par of 36, the unrounded course handicap is 4.4 × 121 ÷ 113 plus (35.3 minus 36), which is 4.01, so the nine-hole course handicap is 4. Rounding the half index first matters: on some tees, 4.35 and 4.4 give course handicaps one stroke apart.

Playing handicaps and handicap allowances

Your playing handicap is your course handicap multiplied by the handicap allowance for the format, rounded to the nearest whole number with a half rounding up. Allowances make formats fair: in four-ball, for example, the higher-handicap partner's strokes count for more because only the better score on each hole counts, so the allowance is below 100%.

FormatRecommended allowance
Individual stroke play95% of course handicap
Singles match play100% of course handicap
Four-ball stroke play85% of course handicap
Four-ball match play90% of course handicap
Alternate shot (foursomes)50% of the partners' combined course handicaps
Scramble, two players35% of the low course handicap plus 15% of the high
Scramble, four players25%, 20%, 15% and 10%, from low course handicap to high
The USGA's recommended handicap allowances (Rules of Handicapping, Appendix C). A committee can set different ones in the terms of a competition.

In match play, the player with the lowest playing handicap plays off zero and everyone else receives the difference between their playing handicap and the lowest. In a four-ball match with course handicaps of 13, 21, 7 and 16, the 90% allowance gives playing handicaps of 12, 19, 6 and 14, so those players receive 6, 13, 0 and 8 strokes.

This calculator, like Wedge, applies the allowance to the rounded course handicap. The Rules of Handicapping prefer the unrounded course handicap and permit the rounded one when players work out their own playing handicaps, so a committee's figure can occasionally differ by one stroke.

Team handicaps for alternate shot and scramble

When partners play one ball, the side plays off a single team handicap. Work out each partner's course handicap on the tee they play first, then combine them.

Alternate shot: add the partners' course handicaps and take 50%. Partners with course handicaps of 13 and 22 have a combined 35, and 50% of 35 is 17.5, so the side's playing handicap is 18.

Scramble: sort the partners' course handicaps from lowest to highest, take each at its weight, and add them up. In a scramble the team picks the best shot every time, so each partner's handicap counts for far less than in an individual game.

Team sizeLowest course handicapSecondThirdHighest
Two players35%15%
Three players30%20%10%
Four players25%20%15%10%
Scramble team handicap weights from Appendix C of the USGA Rules of Handicapping, applied to the partners' course handicaps from lowest to highest.

Worked example: four partners with course handicaps of 7, 13, 17 and 22. The team handicap is 25% of 7 (1.75) plus 20% of 13 (2.6) plus 15% of 17 (2.55) plus 10% of 22 (2.2), which is 9.1, so the team plays off 9. An allowance below 100% multiplies the weighted total before rounding.

Plus handicaps

A plus Handicap Index, such as +2.1, belongs to a player who scores better than the Course Rating. In the formula it counts as a negative number. On the example tee above, -2.1 × 128 ÷ 113 plus (71.2 minus 72) is -3.18, so the course handicap is +3. A plus handicap gives strokes back: the player adds three strokes to their gross score for a net score.

Rounding still goes up the number line, so a half rounds toward the higher-handicap side. A course handicap of +5 at a 90% allowance is +4.5, which rounds to a playing handicap of +4. In match play, a plus player is usually the lowest in the group, so everyone else receives the difference: against a +2, a playing handicap of 10 receives 12 strokes. Type a plus index into the calculator with its plus sign.

Course handicap vs Handicap Index vs playing handicap

  • Handicap Index: your measure of ability, calculated from the best 8 of your most recent 20 score differentials. It travels with you from course to course.
  • Course handicap: the number of strokes you receive on a particular set of tees, worked out from your Handicap Index with that tee's Slope Rating, Course Rating and par.
  • Playing handicap: your course handicap after the handicap allowance for the format. It is the number you play off in that game, and the one strokes between players are counted from.

Play it in Wedge

Wedge works out each player's course handicap from the Course Rating, Slope Rating and par of the tee they play, and in a match gives strokes off the lowest handicap in the group. Tournament tee times carry the allowance for their format, such as 90% for four-ball and 50% of the combined handicaps for alternate shot, and scramble sides play off one team handicap, so every card shows the strokes it receives. When you finish, you can post your round to GHIN hole by hole from the app.

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Frequently asked questions

How do I calculate my course handicap?

Multiply your Handicap Index by the Slope Rating of your tee, divide by 113, add the Course Rating minus par, and round to the nearest whole number with a half rounding up.

Why is my course handicap higher than my Handicap Index?

Your tee has a Slope Rating above 113, a Course Rating above par, or both. On a tee with a Slope Rating below 113 and a Course Rating below par, your course handicap can be lower than your index.

What handicap allowance should we use for four-ball?

The USGA recommends 85% of course handicap for four-ball stroke play and 90% for four-ball match play.

How many strokes do I get in a match?

Work out every player's playing handicap. The lowest plays off zero, and each other player receives the difference between their playing handicap and the lowest.

How is a nine-hole course handicap calculated?

Use half of your Handicap Index, rounded to one decimal place, with the nine-hole Course Rating, Slope Rating and par in the same formula.

How do you work out a two-person scramble team handicap?

Take 35% of the lower course handicap plus 15% of the higher one and round to the nearest whole number. Partners on 10 and 20 play off 7, since 3.5 plus 3.0 is 6.5.

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