Calculate your World Handicap System (WHS) Handicap Index from recent scorecards. Understand score differentials, playing handicap, and net scoring.
| Handicap Index | Category | Typical player |
|---|---|---|
| +3 to 0 (scratch) | Elite amateur | Competitive club player, ex-professional, scratch golfer |
| 0–5 | Low handicapper | Very skilled — wins most club competitions |
| 5–12 | Mid-low handicapper | Consistent ball-striker, good short game |
| 12–20 | Mid handicapper | Regular golfer, good days and bad days |
| 20–28 | High handicapper | Social golfer, still learning course management |
| 28–36 (max) | Beginner | Newer to the game, building consistency |
| 36–54 (WHS max) | Learner | Still developing, may use full handicap allowance |