
In golf, a player's handicap is a measure of their ability and is used to calculate their course handicap, which is the number of strokes subtracted from their gross score to give a net score. A player's handicap index is updated according to a revision schedule set by their regional golf association. This revision schedule affects the scores posted on the GHIN app, which is the most widely trusted and accepted handicap index system.
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What You'll Learn

Handicap Index
A Handicap Index is a numerical representation of a golfer's demonstrated ability, based on their better scores. It is expressed as a number with one decimal point (e.g. 21.4). The calculation takes into account the eight best scores of a golfer's most recent 20 rounds. It is designed to allow golfers of all skill levels to compete with each other fairly. The Handicap Index is used to determine a golfer's Course Handicap, which is the number of strokes subtracted from their gross score to give a net score. The strokes are allocated based on the difficulty of the holes being played.
To establish and maintain a Handicap Index, a golfer must be a member of an authorized golf club. Most golf courses, public and private, are authorized, and the Allied Golf Association in a golfer's area can help set them up with a club. Once a member of a club, a golfer will receive a unique GHIN (Golf Handicap Information Network) number, which is used to track their scoring history. They can then post their scores in the World Handicap System (WHS) database application, which re-calculates their Handicap Index daily.
The GHIN Handicap Index is the most widely accepted and trusted version, and it is often the only Handicap Index that can be used to enter specific golf tournaments or events. When joining a golf club, golfers will typically receive a Handicap Index ID#, which is their unique identifier for looking up and entering scores in the WHS.
The USGA Handicap Index is calculated using a specific arithmetic formula. This formula estimates how many strokes above or below the course rating a player might be able to play, based on their recent scores. The Handicap System is founded on the concept of peer review, so golfers need to have an assigned Handicap Chair to ensure the scores they post are correct.
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Course Handicap
A course handicap is a number that indicates how many handicap strokes a golfer receives on a specific golf course. It is calculated based on the difficulty of the course and the tees played. The purpose of the course handicap is to allow golfers of varying skill levels to compete on a fair and equitable basis on any course in the world.
The calculation of a course handicap involves adjusting a golfer's handicap index, which represents their demonstrated ability, to account for the difficulty of the specific course being played. This adjustment is made through the addition of "slope rating" to "course rating" within the USGA Handicapping System. The slope rating reflects how much harder the course is for a bogey golfer compared to a scratch golfer, with an average slope rating of 113. By incorporating the slope rating into the calculation, the course handicap can increase or decrease depending on the difficulty of the course.
To determine their course handicap, golfers can use a calculator on the USGA website or refer to charts available at the golf course. These charts display course handicaps based on a golfer's handicap index and the slope rating of the tees played. For example, a golfer with a handicap index of 14.5 playing tees with a slope of 108 may have a course handicap of 13, whereas playing tees with a slope of 138 may result in a course handicap of 16.
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Gross score
The gross score in golf is the total number of shots played by a golfer, including any penalty shots incurred. It is a straightforward calculation, reflecting the golfer's raw performance and proficiency. It is the sum of all strokes, from drives down the fairway to chips onto the greens and putts into the hole. This score is then used to determine the golfer's handicap.
The gross score is the most fundamental measure of a golfer's performance and is a critical metric for evaluating their consistency throughout the round. It is the most direct representation of a golfer's play and forms the basis for further calculations. The gross score is calculated by tallying the total number of strokes taken to complete each hole, with each shot contributing to the final gross score.
While the gross score is a simple calculation, it is an important starting point for understanding a golfer's abilities. It is a snapshot of their performance, providing insight into their skill level and consistency on the course. This score is not influenced by any adjustments or handicaps and, therefore, offers an unaltered view of the golfer's performance.
The gross score is often used in more formal golf competitions, such as championships, where golfers compete without handicap allowances. These competitions are sometimes called "scratch competitions" because all players are treated as scratch golfers, or starting from scratch, with no handicap advantages. The winner of these competitions is determined solely on their gross score, creating a challenging and equal playing field for all participants.
While the gross score is a fundamental metric in golf, it is important to note that it does not consider the golfer's handicap or skill level. This is where the concept of net scores comes into play, adjusting the gross score to account for differences in player abilities and providing a standardised way to evaluate golfers of varying skill levels.
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Net score
In golf, a net score is a player's score after handicap strokes have been deducted. In other words, it is the player's gross score (the actual number of strokes played) minus the strokes their course handicap allows to be deducted during the course of the round.
The net score is calculated differently in match play and stroke play. In match play, net scores are calculated on a per-hole basis to determine the winner of each hole. For example, if your course handicap is 3, you get to reduce your gross score by one stroke on each of the three holes designated 1, 2, and 3 on the handicap row of the scorecard. In stroke play, golfers wait until the end of the round to calculate their 18-hole net score to determine the winner and placings.
The purpose of the net score is to level the playing field, allowing golfers of varying abilities to compete against one another on equal footing. This is achieved by subtracting the golfer's handicap from their gross score, which accounts for differences in skill level among players.
To obtain a Handicap Index, golfers must submit their scores from completed rounds to their club or an authorized golf association. The Handicap Index is then used to determine the golfer's Course Handicap, which varies depending on the course and set of tees played. The Course Handicap determines the number of strokes that can be subtracted from the gross score to give the net score.
Many golf associations and leagues that stage tournaments name both a gross score winner and a net score winner.
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Golf Handicap and Information Network (GHIN)
The Golf Handicap and Information Network (GHIN) is a service established by the United States Golf Association (USGA) to provide handicaps for players belonging to golf clubs affiliated with their regional golf association. Golfers who are members of a certified USGA "golf club" can maintain a valid GHIN Handicap Index. The Handicap System is based on peer review, so golfers need to have a Handicap Chair to verify their scores. A GHIN number is a unique ID provided to keep a golfer's Handicap Index. This number is tied to the golfer's regional association, which has been authorized to provide a GHIN Handicap Index by the USGA.
The GHIN Handicap Index is the most widely accepted Handicap Index and is often the only Handicap Index that can be used to enter specific golf tournaments or events. It is designed to allow golfers of all skill levels to compete with each other. The Handicap Index is used to determine a golfer's Course Handicap, which varies depending on the course and set of tees played from. The Course Handicap is the number of strokes subtracted from a golfer's gross score to give a net score. The strokes are allocated based on the difficulty of specific holes.
To establish a GHIN Handicap Index, golfers must post three 18-hole scores or six 9-hole scores from any course with an official Course Rating. These scores can be posted on the USGA GHIN mobile app, on the SCGA website, or on a posting computer at a local golf course. The scores do not have to be from recent rounds, but they must be verified by another player as they cannot be from rounds played alone. Once the required number of scores is posted, the Handicap Index is issued the following morning.
The GHIN App offers additional features besides score posting and handicap maintenance, including stat tracking, GPS, and course maps for thousands of courses worldwide. Golfers can also upgrade to Enhanced GPS for additional features such as putt break maps, approach shot heat maps, and shot tracking. The GHIN system also offers eRevision™, which allows golfers to receive their updated USGA Handicap Index via email when it becomes official, eliminating the need to visit their club for a new handicap sticker.
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Frequently asked questions
A handicap in golf is a system that allows golfers of all skill levels to compete with each other. The handicap is the number of strokes subtracted from a golfer's gross score to give a net score. The number of strokes is allocated based on the difficulty of the holes.
A Handicap Index is a more accurate representation of a golfer's playing potential. It is used to determine the golfer's Course Handicap, which varies depending on the course and set of tees played from.
GHIN stands for "Golf Handicap and Information Network." It is a service established by the United States Golf Association (USGA) to provide handicaps for players belonging to golf clubs affiliated with their regional golf association. A GHIN number is a unique ID provided to golfers to maintain their Handicap Index.
L stands for a "local handicap," which is either above the maximum USGA Handicap Index limit, revised more frequently than allowed, or based on a player's temporary disability. M means the handicap has been modified by the Handicap Committee because the player's handicap index is not reflecting their potential ability. N stands for a nine-hole Handicap Index. NL is a nine-hole handicap that exceeds the maximum nine-hole handicap index. Finally, WD means that a player's handicap has been withdrawn by the Handicap Committee due to their failure to meet the player responsibilities under the USGA Handicap System.











































