MUST HAVE 3 ROUNDS TO ESTABLISH YOUR HANDICAP............. * ARE THE ROUNDS THAT ARE INCLUDED INTO YOUR HANDICAP..... ONLY YOUR TOP SCORES ARE CALCULATED.
What numbers do you have to have in order to perform the handicap index calculation? The formula requires the following:
Have all that? OK, we're ready to get into the math of the handicap formula.
Using your adjusted gross scores, the course ratings and slope ratings, Step 1 is calculating the handicap differential for each round entered using this formula:
(Score  Course Rating) x 113 / Slope Rating
For example, let's say your score is 85, the course rating 72.2, the slope 131. The formula would be:
(85  72.2) x 113 / 131 = 11.04
The sum of that calculation is called your "handicap differential." This differential is calculated for each round entered (minimum of five, maximum of 20).
(Note: The number 113 is a constant and represents the slope rating of a golf course of average difficulty.)
Not every differential that results from Step 1 will be used in the next step.
If only five rounds are entered, only the lowest of your five differentials will be used in the following step. If 20 rounds are entered, only the 10 lowest differentials are used. Use this chart to determine how many differentials to use in your handicap calculation.
Number of Differentials Used 

Rounds Entered  Differentials Used 
56 rounds  Use 3 lowest differential 
78 rounds  Use 4 lowest differentials 
910 rounds  Use 5 lowest differentials 
1112 rounds  Use 6 lowest differentials 
1314 rounds  Use 7 lowest differentials 
1516 rounds  Use 8 lowest differentials 
17 rounds  Use 8 lowest differentials 
18 rounds  Use 9 lowest differentials 
19 rounds  Use 9 lowest differentials 
20 rounds  Use 10 lowest differentials 
Get an average of the differentials used by adding them together and dividing by the number used (i.e., if five differentials are used, add them up and divide by five).
And the final step is to take the number that results from Step 3 and multiply the result by 0.96 (96percent). Drop all the digits after the tenths (do not round off) and the result is handicap index.Or, to combine Steps 3 and 4 into a single formula:
(Sum of differentials/number of differentials) x 0.96
Let's give an example using five differentials. Our differentials worked out to (just making up some numbers for this example) 11.04, 12.33, 9.87, 14.66 and 10.59. So we add those up, which produces the number 58.49. Since we used five differentials, we divide that number by five, which produces 11.698. And we multiply that number by 0.96, which equals 11.23, and 11.2 is our handicap index.
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