Determine the handicap system being used
Gather each player’s scores and course rating information
Subtract the course rating from the player’s average score or adjusted score
Multiply the result by the handicap factor used in that system, if applicable
Round according to the rules of the specific handicap system
For golf, calculate handicap index from the best score differentials
Convert handicap index to course handicap using slope rating and course rating
Apply any game-specific adjustments or allowances
Compare the final handicap values between players if needed