This fool-proof recipe for homemade Hot Chocolate makes the creamiest and most decadent hot chocolate ever! This satisfying drink will keep you warm all winter.

Put down that hot cocoa packet! This homemade Hot Chocolate recipe is infinitely better, with a luscious, velvety texture, just the right amount of chocolate, and not overly sweet. It’s a cafe-style cup of pure decadence!
Why We ❤️ This Homemade Hot Chocolate Recipe
The recipe comes from my dear friend Annmarie and it’s become my family’s go-to hot chocolate. Here’s why we love it so much:
- A balanced, decadent sip. Make no mistake, this hot chocolate is rich, creamy, and decadent. But it’s also not too much. Some recipes go far too heavy in the chocolate or cream department, but this one has just the right ratios. We love its gorgeously creamy texture!
- Easy to make. Made with pantry staples, and right on the stovetop, you can whip up this recipe whenever the craving strikes. When our daughters were young, this was their FAVORITE treat when they’d come back in the house from playing in the snow…oh those sweet little rosy red cheeks!
- Endless topping options. Use this hot chocolate recipe as a springboard to come up with your own cocoa creations. I share some of my favorite topping and mix-in ideas below.
What You’ll Need
This ingredient list is short and sweet! Scroll to the printable recipe card at the bottom of the post for exact ingredient amounts.
- Chocolate chips – I use Guittard brand. Quality matters a lot with such a short ingredient list, so buy a chocolate that tastes good on its own.
- Sugar – Granulated sugar, also known as your everyday white sugar, provides the sweetness.
- Salt – The secret ingredient that makes this hot chocolate extra tasty. Salt is a flavor enhancer in recipes — even sweet ones like hot chocolate!
- Water – Don’t worry, we’re not making hot chocolate with water alone. I would never! Water simply helps cut some of the richness.
- Milk – I use whole milk, but 2% is also fine if that’s what you have on hand.
- Vanilla extract – Like salt, vanilla elevates the overall flavor in a recipe, which is why it’s often used even when the dominant flavor is chocolate. Use pure vanilla extract for the very best flavor (not imitation vanilla).
- Heavy cream – And the secret to the creaminess? Whipped cream stirred right into the hot chocolate mixture. It is sublime!
How to Make Hot Chocolate
Scroll to the recipe card for printable instructions.
- Whip the cream. Add the heavy cream to a mixing bowl and whip until just barely stiff. Set aside.
- Scald the milk. Add the cold milk to a medium heavy-bottomed pan set over medium heat. Stir frequently until the temperature of the milk reaches 180ºF, or when small bubbles form along the edges of the pan.
- Melt the chocolate. Add the chocolate chips to a pan over low heat. Stir them constantly as they melt to keep them from scorching.
- Add the remaining ingredients. Stir the sugar and salt into the melted chocolate, then slowly stream in the boiling water and scalded milk while stirring. Simmer until the sugar dissolves, then stir in the vanilla and whipped cream. The mixture should be lightly creamy and frothy.
- Finish. All that’s left to do is enjoy. Pour your divine hot chocolate into mugs and add your favorite toppings!
Tips & Variations
This hot chocolate recipe is very simple, but these additional tips will help you make sure it turns out perfect.
- Don’t add more chocolate chips. Once you start putting the recipe together, you may think, “That doesn’t seem like enough chocolate” But trust me — it really is. And I’m a BIG chocolate fan!
- Melt the chocolate chips over the lowest heat. Since the chocolate chips are melted directly in the pan, as opposed to using a double boiler, it’s important to melt the chocolate slowly and carefully. If the chocolate gets too hot and scorches, it’s ruined.
- Avoid letting the mixture come to a boil. It’s certainly not the end of the world if it does boil a bit, but due to the cream content, the mixture can scorch to the bottom of the pan if it gets too hot.
- Use different chocolate. If you like a sweeter hot chocolate, use milk chocolate chips instead.
- Make it richer. If you like extra rich hot chocolate, scald 4⅓ cups whole milk and omit the boiling water.
My Favorite Hot Chocolate Toppings and Mix-Ins
The best thing about hot chocolate is making it your own!
- Whipped cream. When whipping the cream for the hot chocolate, make a little extra for topping the mugs too.
- Peppermint bits, candies, or candy canes. Sprinkle crushed peppermints over the top or hook small candy canes onto the side of the mug, and starlight mints can be dropped into the hot cocoa to infuse it with flavor.
- Marshmallows. Especially these Homemade Marshmallows! Or my pretty Peppermint Swirl Marshmallows are so fun during the holidays, plus Marshmallow Hearts are perfect for Valentine’s Day. But store-bought marshmallows also work just fine.
- Creme de menthe or peppermint schnapps. Or another liqueur that pairs well with chocolate.
- Caramel sauce. A drizzle of caramel on top of the whipped cream adds some more decadence.
- Cinnamon. If you enjoy the flavor of Mexican hot chocolate, a little cinnamon sprinkled on top is lovely. You could also stir in some Cinnamon Simple Syrup!
How to Store and Reheat Leftovers
- Refrigerator: Store leftovers in an airtight container or sealed jar in the refrigerator. It will keep well for up to 5 days.
- To reheat: Warm leftovers on the stovetop over medium-low heat, stirring frequently and being careful not to boil. The microwave also works, but just heat in shorter intervals and keep checking it as it warms.
More Cozy Drink Recipes
Hot Chocolate
Ingredients
- 1 cup heavy whipping cream
- 3 cups whole milk
- 4 ounces (about ⅔ cup) good quality semi-sweet chocolate chips (I use Guittard brand)
- ½ cup granulated sugar
- ¼ teaspoon kosher salt
- 1⅓ cups boiling water
- 1 teaspoon pure vanilla extract
Optional Toppings and Mix-Ins
- whipped cream
- marshmallows (Homemade Marshmallows are especially wonderful!)
- peppermint bits, candies, or candy canes
- creme de menthe
- peppermint schnapps
Instructions
- First, add the cream to a medium mixing bowl and whip until just barely stiff. Set aside.
- Then scald the milk. Place a medium-sized heavy-bottomed pan over medium heat. Add cold milk to pan, stirring frequently. The milk is scalded when small bubbles form around the outside of the pan, or the temperature reaches 180°F with a kitchen thermometer. Take care to not let the milk boil.
- While milk is heating up, melt chocolate chips in a medium pan over low heat, stirring constantly so they do not scorch.
- Once chocolate chips are melted, stir in sugar and salt. Then slowly add the boiling water, mixing well, followed by the scalded milk. Simmer for 2 minutes, or until the sugar has dissolved. Blend in vanilla and whipped cream, stirring to fully combine. Do not boil.
- Serve hot, with any of your favorite additions and toppings. Stir the hot chocolate occasionally as it sits.
Notes
Nutrition Information:
This post was originally published in 2011, then updated in 2025.
I made this last year and loved it. Yeah! Making yummy hot chocolate for us this week!
I’ve never made homemade hot chocolate from scratch, but I think I will have to make this one the first I try and sounds like the only one I will ever need. I’m with your dad – Cool Whip is definitely not whipped cream!
The hot cocoa looks totally tempting – gonna make this!!
This is a fabulous idea! We are going to host a group of younger single friends from church and this will make a great part of our dinner together!!! Thx for sharing this.
Sounds like a great idea, Kim. So nice to hear from you!
Lovely…and delicious. Nice to share with the love ones! :)
Thanks Amy!
Oh my! This looks delicious and is a wonderful idea for a party! I LOVE it! I could go for some hot chocolate right about now.
Thanks Robyn – it really does make for a fun little gathering.
What a great idea for a party and I’m sure your daughter loves playing hostess to her friends whenever this is served. This recipe may even entice my *I prefer salty over sweet* husband to try some!
Hi Paula – I say, entice away! You could serve your date night cookies with it. :)
YUMMMMMMMMY!!
Pull up a mug!!
What a yummy recipe! We love Hot Chocolate here!
Thanks for sharing!
~Liz
You’re welcome, Liz – so wonderful to hear from you!