Contrary to what some golfers may think, a handicap is not calculated by subtracting just enough points to claim the win against your golf buddies. Neither is deducting unused mulligans from your score. To accurately calculate your USGA handicap, a series of mathematic calculations are needed. These calculations are outlined here, but for a more in-depth look, consult the USGA Handicap Manual. A link is provided below.
Step 1
Play five full rounds of golf (18 holes) or collect the scores from your last five full rounds.
Step 2
Find the rating and slope for each course you played during the five rounds. Ratings and slopes are issued by the USGA ( United States Golf Association). Not all golf courses are USGA rated.
*Note: The formulas here only apply on USGA rated courses. This process will not work on unrated courses. Consult the clubhouse to see if the golf course is rated.
Step 3
Subtract the golf course's rating from your scores at each course.
Step 4
Multiply each of the five resulting numbers from step 3 by 113. The USGA has determined that 113 is the general slope rating of member golf courses with an average difficulty.
Step 5
Divide each of the five numbers you have after step 4 by the slope ratings of the corresponding course. This is known as the course differential.
Step 6
Take the lowest of the five numbers and multiply it by 0.96, (zero point 96). Your golf handicap is the resulting number rounded to the nearest 10th.
Tips
Many USGA rated courses have golf handicap committees who will calculate your handicap for you. There are also various calculators available to make finding out your handicap a little easier.
http://www.usga.org/Rule-Books/Handicap-System-Manual/Handicap-Manual/
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