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Millionaire Bars

Millionaire Bars are three layers of pure bliss! A shortbread cookie layer is topped with sweet homemade caramel, and a thick layer of smooth chocolate is spread right across the very top. It’s hard to say which element of these sweet treats is the best since they’re all pretty perfect!

a bitten millionaire bar stacked on top of 3 millionaire bars.

Millionaire Shortbread

What’s the best way to dress up some homemade shortbread? With layers of caramel and chocolate, of course! This easy homemade Millionaire Bars recipe is perfect for gifting around the holidays or bringing with you to cookie exchanges. They’re always a crowd favorite!

The shortbread layer is so classic and buttery. It’s sweet, but just subtly so. The real sweetness comes from the thick layer of homemade caramel that’s sandwiched in the middle of the cookie and chocolate layers.

Why You’ll Love this Millionaire Bars Recipe:

  • Layered: The three distinct layers create amazing contrasting flavors. They also provide a picture perfect appearance when sliced just right!
  • So Easy: Each delicious layer of these Millionaire Bars is so easy to whip up.
  • Christmas Favorite: These bars are tasty all year round! With that being said, they are definitely one of my favorite holiday recipes to gift to friends and neighbors.

After you take your first bite of a Millionaire Bar, it’s fun to try and decide what your favorite layer is…I usually love the shortbread the most, but I’m also fond of the caramel. And the chocolate…it’s impossible to choose favorites!

overhead view of cut millionaire bars.
4 stacked millionaire bars.

How to Make Millionaire Bars

You can jump to the recipe card for full ingredients & instructions!

  1. Start by making the shortbread cookie layer, and press it into the bottom of the baking pan.
  2. Bake briefly and let it cool.
  3. Next, make the caramel layer and pour it over the cookie layer. Then refrigerate it to let it set.
  4. Finally, melt the chocolate, pour it on top of the caramel, and let it set before serving.
overhead view of cut millionaire bars, two turned on their sides.
What are millionaire bars?

Millionaire bars (aka: millionaire shortbread) are thick, decadent bars made from layers of shortbread cookie, buttery caramel, and silky chocolate.

Why are they called millionaire bars?

The name millionaire bars (or millionaire shortbread) comes from the fact that these bars are incredibly rich and decadent, just like a millionaire!

Are millionaire bars the same thing as Twix?

Twix candy bars are based on millionaire bars, but homemade is so much better!

Do I have to chill millionaire bars before adding the chocolate layer?

Yes! The caramel will be runny when you first pour it on, so it needs time to set up before you add the chocolate. Otherwise, the chocolate will melt into the caramel, creating a muddy layer.

Can I freeze millionaire bars?

Absolutely! These bars will keep in the freezer for up to 3 months!

Bring these sweet dessert bars to any potluck or party and watch them disappear!

4 stacked millionaire bars.
close up view of cut millionaire bars, two turned on their sides.

Make Ahead Instructions

Millionaire bars can be made up to 3 days in advance of when you plan to serve them. Store them in an airtight container in the refrigerator until ready to serve.

Storage Instructions

Store millionaire bars in an airtight container in the refrigerator for up to 5 days. Enjoy cold or at room temperature.

Freezing Instructions

Freeze millionaire bars in a single layer on a lined baking sheet until solid, about 1-2 hours. Transfer to an airtight container or Ziplock bag to store for up to 3 months. Let thaw at room temperature before enjoying.

Variations

  • Try switching up the chocolate. You can use milk, semisweet, dark, or white chocolate!
  • Stir chocolate chips or crushed pretzels into the shortbread dough.
  • Sprinkle Reese’s Pieces, chopped peanut butter cups or Rolos, toffee chips, or mini M&M’s over top before the chocolate sets.

Tips for the Best Millionaire Bars

  • Line your baking dish for easy removal.
  • Measure your flour using the spoon-and-level method to avoid dense, dry cookies.
  • Take care not to boil the caramel filling; otherwise, it may set too hard.
  • Stir the caramel constantly to prevent it from scorching.
a bitten millionaire bar stacked on top of 3 millionaire bars.

Shortbread is buttery, soft, and baked to perfection before being topped with sweet homemade caramel and smooth chocolate. They’re highly addictive and hard to eat just one of! Sinking your teeth into your first bite of a homemade Millionaire Bar is an experience you’ll never forget.

More Chocolatey Dessert Recipes to Try:

If you make this recipe be sure to upload a photo in the comment section below or leave a rating. Enjoy! You can also jump to recipe.

featured millionaire bars.
Print

Millionaire Bars Recipe

Millionaire Bars are three layers of pure bliss! A shortbread cookie layer is topped with sweet homemade caramel, and a thick layer of smooth chocolate is spread right across the very top. It's hard to say which element of these sweet treats is the best since they're all pretty perfect! 
Course cookie, Dessert
Cuisine American
Prep Time 20 minutes
Cook Time 25 minutes
Chill Time 1 hour
Total Time 1 hour 45 minutes
Servings 24 bars
Calories 399kcal

Ingredients

For the Shortbread Layer

  • 1 cup unsalted butter 226 grams, room temperature (2 sticks)
  • ¼ cup granulated sugar 50 grams
  • ½ cup brown sugar 107 grams
  • ½ teaspoon kosher salt
  • 1 teaspoon vanilla extract 4 grams
  • 2 cups all-purpose flour 240 grams

For the Caramel Layer

  • 14 ounces sweetened condensed milk 396 grams (1 can)
  • ¾ cup unsalted butter 170 grams (1½ sticks)
  • ¾ cup brown sugar 160 grams
  • ¼ cup corn syrup 78 grams
  • ½ teaspoon pure vanilla extract 2 grams
  • ½ teaspoon kosher salt

For the Chocolate Layer

  • 3 cups chocolate chips 510 grams
  • 3 tablespoons coconut oil 42 grams

Instructions

  • Preheat oven to 350°F. Line a 9×9-inch baking pan with parchment paper. Set aside.
  • In a large bowl, using a hand mixer, cream the butter and sugars together.
    1 cup unsalted butter, ¼ cup granulated sugar, ½ cup brown sugar
  • Add in the salt and vanilla extract and beat until incorporated.
    ½ teaspoon kosher salt, 1 teaspoon vanilla extract
  • Add in the flour, little by little, beating after each addition. Mix until the dough comes together, being careful not to overmix.
    2 cups all-purpose flour
    millionaire bar dough in a glass bowl.
  • Press the dough into the bottom of the pan.
    shortbread dough pressed into a square baking pan.
  • Bake for 12-15 minutes until golden brown. Let cool.
  • While the crust is cooling, add the sweetened condensed milk, unsalted butter, brown sugar, corn syrup, vanilla extract, and salt to a saucepan. Stir over medium-high heat. Once the mixture begins to bubble, reduce the heat to a simmer. Continue stirring for 5-10 minutes until the mixture has thickened.
    14 ounces sweetened condensed milk, ¾ cup unsalted butter, ¾ cup brown sugar, ¼ cup corn syrup, ½ teaspoon pure vanilla extract, ½ teaspoon kosher salt
    caramel in a saucepan.
  • Pour the caramel over the cooled shortbread layer.
    caramel poured over baked shortbread in a square baking pan.
  • Refrigerate for at least 1 hour to let the caramel set.
  • Place the chocolate chips and coconut oil in microwave safe bowl. Microwave the chocolate in 30 second increments. Stir until melted and smooth. Allow chocolate to cool for a few minutes.
    3 cups chocolate chips, 3 tablespoons coconut oil
  • Pour the chocolate over the caramel layer and spread it out in an even layer. Return the bars to the refrigerator or freezer until the chocolate hardens.
    chocolate poured over millionaire bars in a square baking pan.

Notes

  • Try switching up the chocolate. You can use milk, semisweet, dark, or white chocolate!
  • Stir chocolate chips or crushed pretzels into the shortbread dough.
  • Sprinkle Reese’s Pieces, chopped peanut butter cups or Rolos, toffee chips, or mini M&M’s over top before the chocolate sets.
  • Line your baking dish for easy removal.
  • Measure your flour using the spoon-and-level method to avoid dense, dry cookies.
  • Take care not to boil the caramel filling; otherwise, it may set too hard.
  • Stir the caramel constantly to prevent it from scorching.
Storage: Store millionaire bars in an airtight container in the refrigerator for up to 5 days or in the freezer for up to 3 months.

Nutrition

Serving: 1bar | Calories: 399kcal | Carbohydrates: 48g | Protein: 3g | Fat: 23g | Saturated Fat: 15g | Polyunsaturated Fat: 1g | Monounsaturated Fat: 4g | Trans Fat: 1g | Cholesterol: 41mg | Sodium: 125mg | Potassium: 156mg | Fiber: 0.3g | Sugar: 38g | Vitamin A: 458IU | Vitamin C: 0.4mg | Calcium: 79mg | Iron: 1mg

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