Ever watch a PGA Tour event and see a player and caddie deep in conversation before a critical shot? More than just a bag carrier, a professional caddie is a strategist, psychologist, and confidant, all rolled into one. This raises a fascinating question: for that level of expertise and pressure, what do professional golf caddies actually make? This article will break down the complete pay structure for Tour caddies, from their weekly base pay to the high-stakes world of performance bonuses and the hidden costs that come with the job.
The Caddie Paycheck: A Breakdown of the Numbers
Unlike a traditional job with a set salary, a Tour caddie's income is a blend of a guaranteed base and a high-variance, performance-based commission. It’s a model built on risk and reward, where a player’s success is directly shared with the person on their bag. Let's break down the three main components.
1. The Weekly Stipend
First, caddies receive a weekly base fee or stipend from their player for every tournament they work. This isn't just pocket money, it's the financial foundation for the week. The stipend covers the caddie's essential travel and living expenses, including flights, hotels, rental cars, and meals. This fee is paid regardless of how the player performs - whether they win the tournament or miss the cut on Friday.
So, how much is it?
- For an established caddie on the PGA Tour, this weekly stipend typically falls in the range of $2,000 to $4,000 per week.
The exact amount depends on the player's status and the agreement they have with their caddie. A top-10 player in the world might pay a higher base fee than a player who is just starting out or fighting to keep their Tour card. Think of this stipend as the safety net that ensures the caddie doesn't lose money just for showing up to work.
2. The Percentage of Winnings (The Real Money)
This is where the real earning potential lies. The performance bonus is a pre-negotiated percentage of the player's prize money from the tournament. While the weekly stipend covers expenses, the percentage of winnings constitutes the caddie’s actual profit and long-term income. This tiered system is an industry standard, often referred to informally as the "5-7-10" rule:
- 10% for a Win: If the player wins the tournament, the caddie traditionally receives 10% of the winner's purse. This is the payday they all dream of.
- 7-8% for a Top-10 Finish: For a finish inside the top 10 (but not a win), the caddie earns a percentage in the 7% to 8% range. Sometimes this might be specified as 7% for a top-5 and a slightly lower percentage for a top-10.
- 5% for Making the Cut: For any finish where the player makes the cut and earns prize money (but doesn’t finish in the top 10), the caddie gets 5% of those winnings.
If the player misses the cut, they earn no prize money, and therefore, the caddie receives no percentage. They only walk away with their weekly stipend.
Let's See the Numbers in Action:
To understand the impact of these percentages, let's look at a couple of tangible examples from a standard PGA Tour event with a $10 million purse.
- Example 1: A Win
The winner's share is typically 18% of the total purse, which would be $1,800,000. The caddie's 10% cut? A whopping $180,000 for one week of work. This is why a single victory can define a caddie's entire year. - Example 2: A Top-5 Finish
Suppose a player finishes 4th and earns $450,000. At a 7% bonus rate, the caddie's take-home from that percentage would be $31,500. Add that to their a weekly stipend, and it's an excellent paycheck. - Example 3: A Made Cut
Suppose the player finishes tied for 40th and earns $35,000. The caddie's 5% cut would be $1,750. When you combine this with their weekly stipend (for instance, $3,000), they earn $4,750 - respectable, but a world away from the six-figure payouts for wins.
This structure motivates the caddie to be deeply invested in every shot, as their earnings are directly tied to each putt and every strategic decision.
It's Not Just the PGA Tour: Earnings on Other Circuits
While the jumbo purses of the PGA Tour generate headlines, caddies work professionally across various other tours. The pay structure is generally similar - a base stipend plus percentages - but the numbers are significantly different.
- LPGA Tour & Champions Tour: The purses on these tours, while still substantial, are smaller than the PGA Tour. A caddie for a top LPGA or Champions Tour player can still earn a very comfortable six-figure income, but the massive seven-figure potential is less common.
- Korn Ferry Tour: This is the developmental tour for the PGA Tour. Here, the financial landscape is much tougher. Purses are smaller, meaning the percentages yield far less money. Many caddies on the Korn Ferry Tour are working toward a long-term goal of getting to the main tour with their player. A successful year might bring in $50,000 to $80,000, making it a real grind.
- DP World Tour (European Tour): The pay for caddies a the DPWT aligns more towards the higher paying tours. There is significant cash on offer and a great living can still be made. Top players caddies are earning into the mid to high six figures easily.
The Hidden Costs: What Caddies Pay Out of Pocket
While the numbers can sound astronomical, it's important to remember that most caddies operate as independent contractors. Their weekly stipend is gross income, not pure profit. Out of that base pay comes a long list of expenses:
- Travel: Airfare, baggage fees (often including a heavy tour bag), and rental cars.
- Accommodations: Hotel rooms or rental houses for the week, which can be inflated around major tournament sites.
- Food & Entertainment: Like any other job on the road, daily meal costs can add up quickly.
- Health Insurance: As independent contractors, caddies must find and fund their own health insurance policies, which can be quite expensive.
- Retirement Savings: There’s no company-sponsored 401(k). Caddies are responsible for their own long-term financial planning.
- Yardage Book & Green-Reading Materials: While some are provided by the tour, many caddies purchase supplemental materials to gain an edge.
A caddie grinding it out on tour might spend anywhere from $75,000 to $120,000 per year on these expenses alone. This reality underscores the financial pressure of the job, especially for those whose players aren’t consistently making cuts.
Who are the Richest Caddies in Golf?
The top tier of caddies earns life-changing money, placing them in the top 1% of income earners worldwide. While their exact earnings are private agreements, we can estimate their income based on their players' success. Caddies for perennial superstars like Scottie Scheffler (Ted Scott), Jordan Spieth (Michael Greller), and Justin Thomas (Jim "Bones" Mackay) have earned millions over the years.
When Scottie Scheffler won The Masters and THE PLAYERS Championship in the same year, his caddie, Ted Scott, likely earned over $2 million from those two victories alone. These caddies aren't just along for the ride, they are highly skilled professionals whose insights directly contribute to their player's success. Their compensation reflects that value.
The relationship between a player and caddie is one of the most unique partnerships in sports. It's a high-stakes, pressure-filled job where financial success depends entirely on performance. While the top earners post staggering numbers, most caddies are grinding it out, week after week, hoping for that one big finish that can change a season.
Final Thoughts
The earnings of a professional golf caddie are a unique mix of a modest weekly guarantee and the massive upside of performance bonuses. While the allure of seven-figure years is real for the game's elite loopers, it's a high-risk, high-reward profession where a player's missed cut means a financial loss for the one carrying the bag.
A top caddie's value lies not in carrying clubs, but in providing expert strategic advice under pressure - advice most of us can only dream of. The goal with an on-demand golf expert in your pocket like Caddie AI is to bring that same level of course management and strategic thinking to every golfer, helping you navigate tricky lies, select the right club, and think your way around the course like a pro.