Course handicap and Handicap Index: what's the difference?

Updated 20 October 2026

Your Handicap Index measures your ability anywhere. Your course handicap is the number of strokes you get on one course from one set of tees: Handicap Index × slope rating ÷ 113, plus course rating minus par, rounded. Your playing handicap is that, times the allowance for the format, such as 95% in a stroke-play competition.

Under the World Handicap System there are three handicap numbers, and it's easy to mix them up.

Handicap Index: your ability

Your Handicap Index, such as 18.4, is worked out from your best recent scores and goes with you to every course. It describes how well you play on a course of average difficulty. It's never used directly to count strokes in a round. (Our guide to working out your golf handicap covers how it's calculated.)

Course handicap: your strokes on this course

Courses aren't equally hard, and neither are the tees on one course. Your course handicap converts your index into strokes for the tees you're playing:

Course handicap = Handicap Index × slope rating ÷ 113 + (course rating − par), rounded to the nearest whole number.

Take a golfer with an index of 18.4:

TeesRatingSlopeParCourse handicap
A gentle parkland course69.01137017
An average course71.21287220
A long championship course74.51407225

Ratings and slopes are examples. The real ones are on each course's scorecard, and at most clubs on a board by the first tee.

Playing handicap: your strokes in this format

For a competition, your course handicap is multiplied by a handicap allowance to keep the format fair. The R&A recommends 95% for individual stroke play, which includes Stableford. In four-ball better-ball stroke play the allowance is 85%. In singles match play, the lower handicap plays off zero and the other player gets the full difference. In a casual round, your playing handicap is usually just your course handicap.

A course handicap of 20 at 95% gives a playing handicap of 19.

Where do I get these strokes on the card?

Each hole has a stroke index from 1 to 18. With a playing handicap of 18 you get a stroke on every hole; with 21 you get one on every hole and a second on stroke index 1, 2 and 3; with 12, one on stroke index 1 to 12.

Work out your course handicap

Related guides

Sources

Golf Scout scans a course's scorecard for its par, stroke index, rating and slope. Get Golf Scout on the App Store, free for iPhone and Apple Watch.