Name: Creamy Hot Chocolate
Prep time: 5 min
Cook time: 30 min
Total time: 35 min
Ingredients: 5 cups whole milk; 14 oz can sweetened condensed milk; 2 Tbsp unsweetened cocoa powder; 4 oz semi-sweet baking chocolate; 2 tsp vanilla extract; whipped cream (store-bought or homemade for serving)

A rich hot chocolate recipe that's creamy, indulgent, and perfect for warming up on a chilly day.

A ladle scooping a cup of hot chocolate from a pot.

Hot Chocolate Overview

This hot chocolate recipe is rich, creamy, and oh-so-sweet! It’s the perfect treat for those cozy winter days. The secret to making it extra creamy? Sweetened condensed milk! With just a handful of ingredients and about 15 minutes, you’ll have a delicious cup of creaminess ready to enjoy, topped off with a big dollop of whipped cream.

Bakers chocolate, milk, cocoa powder, vanilla extract, canned condensed milk and canned whipped cream.

Recipe Ingredients

5 cups whole milk
14 oz can sweetened condensed milk
2 Tbsp unsweetened cocoa powder
4 oz semi-sweet baking chocolate
2 tsp vanilla extract
whipped cream - store-bought or homemade for serving

White pot with milk, cocoa powder, and chocolate.

How To Make Creamy Hot Chocolate

Full ingredients and instructions are also in the recipe card at the bottom of this blog post.

STEP 1: In a medium pot over low heat, combine 5 cups whole milk, 1 (14-ounce) can sweetened condensed milk, 2 tablespoons unsweetened cocoa powder, 4 ounces chopped semi-sweet baking chocolate, and 2 teaspoons vanilla extract.

STEP 2: Simmer on low for about 15 minutes, stirring often to prevent burning. Once heated through, remove the pot from the heat. Ladle into mugs and top each serving with whipped cream.

Recipe Tips

Heat up the milk over low to medium heat—just be gentle so it doesn’t scald. Be sure to stir often.
Try tossing in a pinch of salt to really boost that chocolate flavor! You can also add in some cinnamon or nutmeg for a cozy touch.
For toppings, you can add whipped cream, marshmallows, chocolate shavings, or a sprinkle of cinnamon.

How To Store Leftovers

Refrigerate - If you happen to have any leftovers (lucky you!), just pop them in an airtight container in the fridge. When you’re ready to enjoy it again, reheat gently on the stovetop and add a splash of milk to bring back that creamy goodness.

Have A Question?

Got a question about this recipe? Leave a comment below—I’m happy to help!
Tried this recipe? Share it with friends and leave a star rating below—I’d love to hear what you think!

Never Miss A New Recipe:

Plus, get my weekly meal ideas & exclusive recipes straight to your inbox! Sign up here.
Get My Free Recipe Guides! Sign up for my free member’s library to access 20+ printable guides, with more added regularly.
Grab my popular Easy Healthy Meals Success Kit at 70% off!