How the games work

Skins

Every hole is worth a skin. Lowest score on the hole wins it, but only if nobody ties. Tie for low and the skin carries over, so the next hole is worth two. Each skin is worth the stake from every other player. If the last hole ties, those skins are left on the table.

Nassau

Three bets in one, everybody against everybody. On 18 holes it's the front 9, the back 9 and the whole 18. On 9 holes we split it into holes 1–3, 4–6 and 7–9. Each bet is match play: it goes to whoever won more holes in that stretch, not whoever had fewer total strokes. That goes for the overall bet too. Tie the stretch and nobody pays.

Stroke play

Lowest total wins. Every two players are their own match: the higher total pays the lower total the difference in strokes, times the stake. So if you shoot 30 and two buddies shoot 32, each of them pays you 2. Tie and nobody pays. Set a cap so a rough day doesn't get expensive.

Snowman pays

Make an 8 or worse on any hole and you pay everybody in the group the stake. Every snowman. If you know, you golf.

This page only does the math. It never holds, sends or collects money. Points are just for bragging rights.