Skins
A skin pays only when one player has it alone
Each hole is worth the stake. The player with the lowest net score, and only that player, wins it. Each other player pays the winner the stake. If two or more players tie for the low score, nobody is paid and the value carries to the next hole. Two ties in a row make the next decided hole worth three stakes.
What happens to a leftover
If the last hole is also tied, the carried pot is not paid. It does not roll into next week. The card ends in a push for that skin. That is the rule this calculator uses, so a group does not invent a winner after the round.
Net, not gross
Strokes come off the gross before the hole is compared. A player who gets a stroke on the hole can win a skin with a higher gross. The stroke index decides who gets that stroke. Full handicap or a percent of it, rounded. Nine holes with this rule are free to total. Eighteen holes, and the other games, are the $7 unlock.
Settle a skins roundGolf Settler adds up a side game you already agreed to play. It is not a sportsbook, not a bookmaker, and not advice to wager. Pay only people you played with. Yardages are the numbers you typed.