The Settle Up
Round's over. Settle it cleanly. Skins with or without carryovers, gross or net, and a Nassau if you played one. Put the card in and get the fewest payments that square the group. No app, no sign-up, and it runs in your browser.
Every hole is worth a skin, and it goes to the one player with the lowest score. If two or more tie for low, nobody wins it: with carryovers the skin moves to the next hole, without them it is gone. Every other player pays the winner the stake for each skin.
The Settle Up is a free golf skins calculator that runs in your browser. It settles gross or net skins, a Nassau with or without presses, and closest to the pin, then boils everything down to the fewest payments. Every rule groups argue about is a setting you pick before you settle, and the result shows how each number was reached. For group formats beyond money games, see the pro-am format guide and the charity scramble guide.
Pick one or both. They settle together.
Handicap here means playing handicap: the strokes each player gets today from these tees. That is your Course Handicap, with any allowance your group uses. A plus handicap goes in as +2 or -2.
Copy both rows from your scorecard. Stroke index is the "handicap" or "HCP" row, 1 to 18. The defaults are a common layout, not your course.
Scores are strokes on each hole. Typing a score moves you to the next box; a 1 waits in case it is a 10.
A press is a new bet, same stake, from the hole it starts on to the end of its nine (or the 18).
A skin is the prize for winning one hole outright. The player with the single lowest score on the hole wins it; if two or more players share the lowest score, nobody does. In most casual games every other player pays the winner an agreed amount for each skin.
It depends on the house rule. With carryovers, the tied skin moves to the next hole, so the next outright winner collects every skin that has built up. Without carryovers, nobody wins a tied skin. Skins still carried after the last hole need a rule of their own: groups either play off for them or agree that nobody wins them.
Gross skins use the scores as played. Net skins take each player's handicap strokes off first, on the holes with the lowest stroke index. The Rules of Handicapping set no allowance for skins, so groups either use full playing handicaps or play off the lowest handicap in the group. Agree which before you tee off.
A Nassau is three bets of the same stake: the front nine, the back nine and all 18. It is usually match play, so whoever wins more holes wins the bet, and a tied bet is a push. With more than two players, this calculator plays a separate Nassau for every pair. In net play the higher handicap receives the difference in strokes, which is 100% for singles match play under the Rules of Handicapping.
A press is a new bet, usually for the same stake, started by the player who is behind. It runs from the next hole to the end of that nine or the 18. Many groups press automatically whenever someone goes 2 down. Whether the 18-hole bet can be pressed, and whether a press can be pressed, varies, so agree it first. This calculator can press automatically at 2 down or use the presses you enter.