The Overhead Ratio Is Lying to You — I Built an AI Tool to Prove It

This is a submission for Weekend Challenge: Generosity Edition

What I Built

GlassPocket — a tool that argues against the "overhead ratio," the dominant heuristic people use to judge charities (what % of donations go to "programs" vs. "overhead" like staff and infrastructure). That heuristic punishes exactly the investment that makes a charity effective, and it drives what nonprofit finance people call the "starvation cycle" — orgs under pressure to look lean end up under-staffed and under-resourced.

You search a US 501(c)(3), and instead of a single overhead percentage, GlassPocket pulls their IRS Form 990 history (via ProPublica's Nonprofit Explorer API) and shows:

Reserve months — how long the org could run on savings alone (low reserves = fragile, not "lean")