All About Handicaps and MB's Handy Handicap Calculators
So what's this handicap business all about? This can be pretty straight forward, or a lot of
confusion for something that basically means "The average difference between your scores
and a standard, as calculated by specified procedures and formulas."
If you already know about handicaps you can skip to the calculators.
Otherwise, here's the general idea (without going into too much detail or being too precise).
Terms and Definitions
 Raw score  The gross or unadjusted total score for a round
 Adjusted score  The total score after Equitable
Stroke Control has been applied
 Equitable Stroke Control (ESC)  maximum allowed individual hole
scores to more accurately represent a player's scoring "potential"
 Handicap Differential  difference between
adjusted scores and course difficulty
 Handicap Index  adjusted average of handicap
differentials to one decimal place
max USGA Handicap Index  men/36.4  women/40.4
max USGA Handicap Index(N)  men/18.2  women/20.2
(N) means 9 holes
 Course Handicap  whole number adjustment of Handicap Index for a
specific course (most courses have a chart to make this conversion)
The process starts by turning raw scores into
adjusted scores (per ESC)
and then calculating a Handicap Differential for each adjusted score.
You then plug these differentials into the formula for a Handicap Index.
Once you have a Handicap Index it can easily be converted into a Course
Handicap for any specific course you play.
A Handicap Index is a number that, loosely, is a measurement of a player's
potential scoring ability on a course of average difficulty,
and sort of represents the difference between a player's scores and the course ratings of
the golf courses he/she plays. It is figured from a player's best scores, and is
calculated to one decimal place.
So if you have some scores, go ahead and try the calculators below. I think you'll find
them pretty..."handy."
Handicap Calculators
Calculator Instructions
There are three calculators: One for Handicap Differentials, one for
Handicap Indexes and one for Course Handicaps.
The USGA insists that you have at least 5 raw scores to start with (and
prefers 20), but for educational purposes as many as you have will work.
Differentials are figured from your lowest scores.
Total scores 
Use 
5 or 6 
Lowest 1 
7 or 8 
Lowest 2 
9 or 10 
Lowest 3 
11 or 12 
Lowest 4 
13 or 14 
Lowest 5 
15 or 16 
Lowest 6 
17 
Lowest 7 
18 
Lowest 8 
19 
Lowest 9 
20 
Lowest 10 
At the right is a chart to tell you how many of your scores to use depending on how many total
scores you have. First let's get your handicap differential
for each score. To figure a differential you'll need three things: (1) your adjusted score, (2) the
course rating, and (3) the course slope (These last two should be on the
scorecard).
Enter those three numbers into the appropriate fields in the
calculator below and click the "Calculate..." button. The result appears in the next field. If
you would like to move that result down into the next series of fields in the
Handicap Index Calculator click the "Add..." button.
Repeat the differentials process as many times as you have scores, or a maximum of ten.
Finally, you can move the Handicap Index result down into the Course
Handicap Calculator, enter the slope of the course you want a Course Handicap for,
and hit the "Calculate..." button.
There you go...instant handicap info. Who's your buddy? Who's your pal?
Notes:
 These calculators are for demonstration purposes only, not for official handicaps. They may not be accurate for all possible values and are sometimes temperamental.
 If you ever receive the result "NaN" it means either that you entered something other than a number or decimal point in the field(s), the calculator needs to be reset (click "Reset" button) or the page
may need to be reloaded.
 The calculators work equally well with 9hole scores and handicaps. Just enter the adjusted 9hole score and course rating  keep the slope the same as for 18 holes unless there is a separate 9hole slope.
Handicap Differential Calculator
Handicap Index Calculator
(Leave all unfilled fields at 0.0)
Course Handicap Calculator
Equitable Stroke Control
Equitable Stroke Control (ESC) is the "capping" of individual hole
scores to make handicaps more indicative of a player's scoring
potential. The maximum score that a player can post on any hole
is based on the player's Course Handicap. In the case of a player without an established
handicap scores are adjusted using the maximum hole score for the highest Course
Handicap. Once your Handicap Index is established you use the ESC table below.
Course Handicap 
Maximum Score per Hole 
up to 9 
Double Bogey 
10 through 19 
7 
20 through 29 
8 
30 through 39 
9 
40 or higher 
10 
Other Methods
There are other handicapping formats for events where many players do not have established handicaps.
More Detailed Info...
There are specific formulas, rules and guidelines for calculation and application of Equitable Stroke Control, Differentials, Indexes and Course Handicaps. If you're interested in the official technical
details you can get them straight from the "horse's mouth" at the USGA or R&A. Or check here to get an official handicap online and all the details.
