Hot Chocolate



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The thickest and creamiest Hot Chocolate recipe EVER! Think: 5 star restaurant style! Ever wonder how they do it? You’re going to love how easy it is to make your own hot cocoa. It’s a billion times better than a hot cocoa packet mixed with water. This hot chocolate is simply divine. Everyone will think you’re a genius when they taste this (honestly, it’s that good!). If you make it look fancy, you’ll get extra bonus points. I’ll show you a trick to making it look super elegant without any special skills, ingredients, or supplies needed.

The THICKEST and CREAMIEST Hot Chocolate Recipe EVER!

Hot Chocolate

My decadent homemade hot chocolate recipe is a combination of milk, chocolate chips, condensed milk, and whipped cream. It is extra flavorful and delicious! It requires a special amount of stirring (that’s where the magic happens!).

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Semi Sweet Chocolate Chips in Hot Chocolate


  1. whole milk
  2. sweetened condensed milk
  3. Semi-sweet chocolate chips
  4. vanilla extract
  5. whipped cream
  6. ground cinnamon
Hot Chocolate with Condensed Milk


Star by adding milk to a medium-large pot. Then, add 1 cup of semi-sweet chocolate chips to the milk. Now, if you know anything about chocolate, it can be very temperamental! Chocolate is VERY sensitive and burns extremely easily. Do yourself a favor and keep your stovetop on low this entire time and stir the hot chocolate constantly. If the chocolate chips settle on the bottom of the hot pan for too long, it will burn.

The THICKEST and CREAMIEST Hot Chocolate Recipe EVER!

Right after you add in the chocolate chips, pour in sweetened condensed milk. You can find a can of sweetened condensed milk in the baking aisle of any grocery store. This stuff is SO yummy! They come in smaller cans that are 14oz. You will want to use between 12oz and 14oz for this thick and creamy hot chocolate recipe. Next, add vanilla extract! I tend to add extra because I just love vanilla extract.

Stir Up Whipped Cream

Recipe Tip

The most important part of creating thick and creamy hot cocoa is the love that goes into slowly warming it up. Keep the burner on low and stir regularly for about 30 minutes or until it gets hot. Just be sure to not try and heat it up too fast! The kitchen will start smelling like a chocolate factory and, before you know it, every kid will come out of nowhere waiting with excitement. Your kids will now know that their mom makes the BEST hot chocolate ever!

Smooth Whipped Cream

The final part is not necessary, however, I think this small detail makes a huge difference for anyone you’re serving the hot cocoa to. Homemade whipped cream requires special ingredients and tools. Instead, I like to make cups of cocoa look like elegant hot chocolate served in the fanciest restaurants. Simply put regular whipped cream in a bowl and stir it around with a spoon.

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The THICKEST and CREAMIEST Hot Chocolate Recipe EVER!

Stirring ordinary whipped cream gives it a beautiful creamy texture that you can spoon on top of the hot chocolate. Add as much or as little of the super smooth whipped cream as your heart desires. The fanciest step of all is sprinkling a line of ground cinnamon on top! You might as well serve it with a spoon at this point because this is no regular cup of hot cocoa! It deserves to be savored.

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Hot Chocolate Recipe

The THICKEST and CREAMIEST Hot Chocolate Recipe EVER! Think: 5-star restaurant style!


  • Medium-large pot
  • Whisk
  • Mixing bowl
  • Spoon
  • ladle


  • 5 cup whole milk
  • 14 ounce can of sweetened condensed milk
  • 1 cup semi sweet chocolate chips
  • 1 teaspoon vanilla extract (at least 1 tsp, you can add more!)
  • Can of whipped cream
  • Ground Cinnamon


  • Pour milk into a pot over low heat
  • Keep it on low heat the entire time to prevent burning
  • Add the sweetened condensed milk, chocolate chips, and vanilla extract to the milk
  • Stir regularly for at least 30 minutes to ensure the chocolate and milk doesn’t burn to the bottom of the pot
  • Once hot, put ordinary whipped cream into a mixing bowl and stir it with a spoon. This removes the extra bubbles making it look fancy and smooth!
  • Ladle the thick and creamy hot chocolate into a mug
  • Spoon the smooth whipped cream on top
  • Sprinkle a line of ground cinnamon across the mug

Additional Info

Kelly Dixon

Welcome to Smart School House! I’m so glad you are here! I’m Kelly Dixon and my website is designed to inspire your creative side. I hope you visit us here often!

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  1. Would I be able to substitute a can of Chocolate Sweetened Con. milk for the regular flavor. Do you think I should cut down on the chocolate bits?

    1. Hi Christina! I’ve never tried that, so I can’t say for sure. If you do try it, let me know and I’ll leave the tip for others!

    1. Hi Barb, I’m not sure what you mean. Are you subscribed or are you talking about seeing the printable recipe card at the bottom of each post?