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Home » Recipes » Hot Cocoa

Hot Chocolate with Chocolate Chips

By Laura Fuentes Updated Jan 13, 2026

5 from 18 votes

Recipe

This post may contain affiliate links. Read our disclosure policy here.

This hot chocolate with chocolate chips is rich, creamy, and made with just two ingredients. It's perfect for when you want a cozy drink fast.

All you need are chocolate chips and milk to make this decadent hot chocolate in minutes. No mix, no fuss. All the goodness.

mug of homemade hot chocolate topped with whipped cream and chocolate chips

Hot Chocolate from Chocolate Chips

When I’m out of cocoa powder and can’t make classic hot cocoa or I’ve run out of my homemade hot cocoa mix, I make hot chocolate from chocolate chips with this recipe. Melting the semi-sweet chocolate into milk makes this a hot chocolate (vs. hot cocoa), and it gives this warm drink a richer, more luxurious flavor.

Ingredients

All you need are semi-sweet chocolate chips and milk (any) to make this recipe. The thicker the milk, the thicker your hot chocolate will be.

How to Make Hot Chocolate with Chocolate Chips

  1. Warm up the milk in a saucepan. You don't need to melt the chocolate chips separately before adding them to the milk.
  2. Add the chocolate chips to the warm milk and stir constantly to dissolve them. You don’t want them to sit at the bottom of the pot and burn.
  3. Pour it into mugs and serve it hot, topped with whipped cream, your favorite toppings, or keep your hot chocolate warm for later.
pouring homemade hot cocoa into a mug, showing the color of the rich hot chocolate

Making this for a crowd? Make a big batch of this hot chocolate with chocolate chips in a crockpot or on the stove, and use it to keep it warm.

More Hot Chocolate Recipes

After making this delicious recipe, you won’t want to miss my cinnamon hot chocolate, this dark hot chocolate, and this pinkish strawberry hot chocolate.

Hot Chocolate with Chocolate Chips (2 ingredients)

mug of homemade hot chocolate topped with whipped cream and chocolate chips
Servings: 2 servings
Cook Time: 5 minutes mins
Total Time: 5 minutes mins
This hot chocolate with chocolate chips is rich, creamy, and made with just two ingredients. It's perfect for when you want a cozy drink fast.
5 from 18 votes
Print Pin

Watch how it’s made:

Ingredients

  • 3 cups milk, any
  • ⅓ cup chocolate chips, heaping

Instructions

  • In a medium saucepan over medium heat, warm the milk, stirring from time to time. You'll see steam coming off the milk; do not boil it. Once warm, add chocolate chips and with a wooden spoon or whisk, gently stir to dissolve them in the milk. Stir constantly until they dissolve to avoid burning them at the bottom.
  • Once the hot chocolate is warm and the chocolate chips have dissolved, turn off the heat and serve.
  • Top with whipped cream and additional chocolate chips if desired.

Equipment

Clean Treats
Clean Treats Cookbook
small yeti mug
Hot cocoa for hours!

Nutrition

Serving: 1 mug | Calories: 279kcal | Carbohydrates: 30g | Protein: 14g | Fat: 9g | Saturated Fat: 7g | Polyunsaturated Fat: 0.4g | Monounsaturated Fat: 4g | Trans Fat: 0.03g | Cholesterol: 13mg | Sodium: 154mg | Potassium: 784mg | Fiber: 2g | Sugar: 30g | Vitamin A: 765IU | Calcium: 504mg | Iron: 2mg

More Hot Cocoa

  • a mug of hot cocoa topped with whipped cream and chocolate shavings
    Hot Cocoa for a Crowd
  • a mug of ginger hot cocoa with cinnamon sticks
    Ginger Hot Cocoa
  • two mugs of hot chocolate mocha surrounded by cinnamon sticks and coffee beans
    Hot Chocolate Mocha 
  • cups of coffee hot cocoa topped with whipped cream
    Hot Cocoa and Coffee

Comments

    5 from 18 votes (11 ratings without comment)

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    Recipe Rating




  1. Robert Llewellyn says

    December 08, 2024 at 10:10 am

    5 stars
    Easy to make

    Reply
  2. Sara Welch says

    July 26, 2024 at 1:44 pm

    5 stars
    Enjoyed this over ice cream and it was a sweet success! Quick, easy and delicious; exactly what I needed to cure my sweet tooth, indeed!

    Reply
  3. Holley says

    July 26, 2024 at 1:21 pm

    5 stars
    The best hot chocolate ever!!!! Forgot the store-bought packets…..this recipe is the way to go!

    Reply
  4. kushi says

    July 26, 2024 at 12:37 pm

    5 stars
    Gorgeous and delicious treat for holiday. Thanks for the recipe.

    Reply
  5. DK says

    July 26, 2024 at 11:47 am

    5 stars
    This is such a simple yet delicious hot chocolate recipe! I’m gonna use dark chocolate chips to see how that turns out!

    Reply
Newer Comments »
Laura fuentes holding a skillet of food standing in front of a blue door

Hi! I'm Laura.
Certified Integrative Nutrition Health Coach, mom of three, and the woman behind the world’s best pancakes—here to help you ditch the mealtime drama with recipes your family will actually eat.

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