Support & Help · 支援與說明
Pledge Master is a personal calculator for Taiwan stock investors who pledge holdings as collateral: it tracks your maintenance ratio (維持率) and coverage, runs crash / margin-call stress tests, estimates dividend cash flow, and lets you plan extra buys with the pledge wizard. Everything is calculated on your device — no account, no cloud.
質押大師是給台股存股／質押族的個人試算工具：算質押維持率與覆蓋率、跑崩盤與斷頭壓力測試、估股息現金流，還有質押精靈幫你規劃加碼。所有計算都在你的裝置上完成——沒有帳號、不上雲端。
Questions, bugs, or feature requests — email us. We usually reply within a few business days.
有問題、回報 bug 或功能建議，歡迎來信，通常幾個工作天內回覆。
Tap to add a holding, then type the ticker code (e.g. 2330, 0050, 00631L) or the Chinese name (e.g. 台積電) in the symbol field and pick from the dropdown. ／ 在代號欄輸入股票代號（如 2330、0050、00631L）或中文名（如 台積電），從下拉選單點選即可。
No. Pledge Master never connects to your broker. You enter your holdings, pledged amount and debts by hand; the app only fetches public quotes. ／ 不用。本 App 完全不連你的券商，你自己手動輸入持股、質押金額與負債，App 只會去抓公開報價。
Maintenance ratio = your holdings' current market value ÷ pledged loan balance, shown as a percentage. It's a reference calculation; your broker's exact formula, thresholds and liquidation rules take precedence. ／ 維持率 = 持股目前市值 ÷ 質押借款餘額，以百分比顯示。這是參考試算，實際公式、警戒門檻與斷頭標準以你的券商規定為準。
Live quotes come from Yahoo Finance's public endpoint and may be delayed. Listed/ETF symbols use .TW and OTC (上櫃) symbols use .TWO automatically. Double-check the code is correct; occasionally the quote source is briefly unavailable. ／ 報價來自 Yahoo 公開端點、可能有延遲，上市/ETF 用 .TW、上櫃自動用 .TWO。請確認代號正確；偶爾報價來源會短暫無法連線。
A one-time NT$60 in-app purchase unlocks the margin-call stress-test panel: maintenance ratio under −5% / −10% / −20% crash scenarios, each holding's liquidation price with buffer, the top-up amount needed to clear a margin call or reach a safe line, and an ex-dividend maintenance-ratio alert. Every other feature is free. Reinstalled or on a new device? Use Restore Purchases on the unlock screen. ／ 一次性 NT$60 內購解鎖斷頭壓力測試面板：−5%／−10%／−20% 崩跌情境下的維持率、逐檔斷頭價（含緩衝）、清追繳與拉到安全線所需的補繳金額，以及除息維持率預警。其餘功能全部免費。重裝或換機請在解鎖頁按「恢復購買」。
Yes — your portfolio and numbers are stored only on your device; we have no account system and run no trackers. See our Privacy Policy. ／ 是的，你的投資組合與數字只存在你的裝置上，沒有帳號、沒有追蹤。詳見隱私政策。
No. Pledge Master is a personal calculator. All figures are for reference only and are not investment advice; it does not place trades and guarantees no returns. Actual margin-call and liquidation rules depend on your broker. ／ 不是。本 App 是個人試算工具，所有數字僅供參考、不構成投資建議，也不代下單、不保證任何報酬；實際追繳與斷頭標準以你的券商規定為準。