Handicap Calculation for Bill Spencer for Week 20
Week of Rounds Used:  18 17 16 15 14  Total  Average  90%  Rounded to:
Gross Score:  48 49 50 47 49  243  48.60
Hdcp Score (over Par):  12 13 15 10 13  63  12.60  11.34  11

What does this mean? How are handicaps calculated?

Handicap Projection for Bill Spencer for Week 21
If your next round score is:   Your new Handicap will be:
33-37   9
38-43   10
44-48   11
49-54   12
55-59   13

Stroke average projection for Bill Spencer