You can see exactly how a player's 'Gross Handicap' is calculated...
While viewing the Tournament Sheet, double-click a golfer. His/her tournament info form appears.
Click on the Gross Handicap box and a description of how the handicap is calculated appears.
Gross Handicap = Index X (Slope of tee played / 113)
Tournament - or "Tour" - Handicap
You can also see how a player's "Tournament Handicap" is calculated
Click on the Tour Handicap box and a description of how the handicap is calculated appears.
Tour Hcp = (Gross Hcp X %Allowance) + Handicap Adjustment.
For more information, please refer to Player's Tournament Info.
NOTE: The card where you enter the scores hole-by-hole shows a "Crs Hcp" (Course Handicap). This is the handicap used for determining a golfer's adjusted gross score for handicap purposes and has nothing to do with how strokes are applied on the card.