How I’m Earning Cash Back Into My Retirement

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Evoshare is the very first platform to offer cash-back rewards into your retirement account or towards your student loan. As of today, they have partnered with over 650 online retailers to offer up to 30% cash-back on the everyday purchases you are already making online.

EvoShare is also great for small business owners looking to create a greater appreciation and loyalty to their product or service. Unlike Groupon that offers your customers a one-time discounted offer, EvoShare offers ongoing value by providing your customers with ongoing cash-back into either their retirement accounts or towards their student loans.

Whether you are someone who is already shopping online or a small-business owner looking for a unique way to provide your customers with ongoing value via cash-back, you will love how EvoShare provides a ton of value to both businesses and consumers.

EvoShare on the Money Peach Podcast

Getting Started with EvoShare in Minutes

Setting up an account is extremely simple, however I am going to walk you step-by-step through the process so you know exactly how it works, what it looks like, and what to expect.

Step 1: Sign Up for Free

Head on over to Evoshare’s website and click on “Sign Up”

Step 2: Create an Account

Choose whether you would like your cash-back rewards applied to your retirement accounts or towards your student loans. This can be changed again later if you’re not quite sure.

Step 3: Link Your Debit/Credit Card, Bank Account, or PayPal Account

EvoShare does not store any of your banking credentials and your private information is kept safe using Yodlee. Yodlee is a leading data aggregation and data analytics platform and their clients include 12 of the 20 largest U.S. banks and 1,000s of other companies.

You can choose from the common banks listed below or you can type in your bank, credit union, or financial institution in the space provided. I was able to find my small local credit union right away.

Step 4: Login To Your Bank or Credit Union

Depending on the security rules for your bank, you may need to have your phone nearby to verify access to your bank/credit union. Also, notice how Yodlee is actually handling this process and not Evoshare. You can read up on how Yodlee keeps you safe here.

Step 5: Link Your Retirement Account

You can choose from all different retirement options, however if you do choose “other”, you will be directed to contact EvoShare to have them help you over the phone. Many government employees who have a 457 or a TSP will need to choose this option.

If you are linking your 401(k), you will be asked to provide your employer’s name and contact information. If linking to a ROTH IRA or traditional IRA, you will only be required to have both routing and account number for your IRA institution.

Note: EvoShare will be contacting your retirement plan coordinator on your behalf to facilitate the transfer of funds from inside your EvoShare dashboard and into your retirement account of choice. There is a $3 per month cost per employee for your employer.

Step 6: Shop Online and Earn Cash-Back

Shopping online via EvoShare is extremely simple. If you are using a Google Chrome, you can download the extension. The extension will light up in your browser whenever you land on a site EvoShare is affiliated with and you can start earning cash-back with a click of a button.

If you are not using Google Chrome, then the best option is for you to shop through your EvoShare Dashboard.



Evoshare reviewFrequently Asked Questions

Do I need a retirement plan or a student loan to get started with EvoShare?

Nope. EvoShare will hold onto your cash-back until you eventually link a retirement or a student loan account. You also have the option of linking to a family member’s retirement plan or even your favorite charity.

Does EvoShare offer in-store cash-back?

Since EvoShare is fairly new (2014), the company has built relationships with mostly online storefronts for now. However, EvoShare does have many in-store partnerships inside the San Francisco Bay area and is looking to expand further into your city.

If you own a business or would like to refer a business to EvoShare’s platform, visit this page for details.

How is the cash-back percentage determined?

Each participating business decides on the cash-back percentage. The current amount you will find for a participating business is subject to change and the cash-back will range from 1% – 40%.

Is there an App for EvoShare?

Not as of right now but they are currently working on one.

If I live outside of the United States, can I still use EvoShare?

Only if your retirement account or student loan is located within the United States.


EvoShare is Helping You, So Let’s Help Them Grow!

The more people learn about EvoShare, the more wins we will see for both consumers and small-businesses. It’s safe to say just about everyone shops online and everyone would love to have extra money added to their retirement accounts. Therefore, help me spread the word about EvoShare by simply sharing this on social!


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Chris Petrie

Chris (Peach) Petrie is a personal finance expert, money coach, speaker and podcaster.

In 2011, Chris and his family were exhausted from living paycheck-to-paycheck and facing a mountain of debt. They started going against the society standards of misbehaving with money and made the decision to take back control of their lives and money. Within seven months they paid off $52,000, started saving like crazy and began building real wealth.

The word spread fast and Chris started showing friends how to create a budget over dinner. Soon after he started showing their friends how to do the same and eventually Chris started teaching personal finance classes around the community. As the need for the classes grew, Chris launched Money Peach in 2015.

Money Peach was created to help everyday people remove the stress and fear of money by showing them how to save more, make more, and keep more of their money.

Chris Peach has been featured in places like Business Insider, The Huffington Post, Elite Daily, and CheddarTV.

When Chris isn’t at “work” he can be found at the Crossfit gym or riding on the fire truck — Chris is also a full-time firefighter in Phoenix, Arizona.


  • I took a look at EvoShare a few months back. Such a great tool, and with the ever increasing use of on-line shopping why not take advantage and earn additional cash for your retirement.

  • Are the contributions made by EvoShare limited by the the same yearly limits I would make into my my own 401K and IRA ($24,000 and $6,500)? Am I correct in thinking that my accounts still can’t exceed those deposit amounts each year, regardless of who is making the deposits (me and EvoShare)?

    • That’s a good question. I don’t think so, but I would ask them to be 100% sure.


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