There’s something utterly indulgent about tiramisu. The way the layers of creamy mascarpone meet soft, coffee-soaked biscuits is already a dream, but when you elevate it with a “Millionaire’s” twist—rich caramel, velvety chocolate, and a touch of golden decadence—it becomes pure luxury in dessert form.
This version of tiramisu takes inspiration from the classic Millionaire’s shortbread, known for its luscious caramel, chocolate topping, and buttery biscuit base. By blending these elements with the traditional Italian tiramisu, you get a dessert that’s not only rich and satisfying but also visually stunning. Whether you’re making it for a special occasion, a dinner party, or just as a personal treat, this recipe will have everyone asking for seconds.
Why You’ll Love This Recipe
- A show-stopping dessert – Perfect for impressing guests, this tiramisu is elegant yet comforting.
- No baking required – This is a fuss-free, no-bake recipe, making it easy to put together.
- A delightful fusion – It takes the best parts of two beloved desserts and combines them into one unforgettable treat.
- Make-ahead friendly – It actually tastes better when made in advance, so it’s perfect for preparing ahead of time.

Ingredients You’ll Need
For the Mascarpone Cream:
- 250g mascarpone cheese
- 300ml double cream
- 100g caster sugar
- 1 tsp vanilla extract
For the Coffee & Biscuit Layer:
- 200ml strong brewed coffee (cooled)
- 2 tbsp cocoa powder (for dusting)
- 200g sponge fingers (ladyfingers)
For the Caramel Layer:
- 150g caramel sauce
For the Chocolate Topping:
- 100g dark chocolate (melted)
- 50ml double cream
Optional Garnishes:
- Chocolate shavings
- Gold leaf (for an extra luxurious touch)

How to Make Millionaire’s Tiramisu
Step 1: Prepare the Mascarpone Cream
In a large mixing bowl, whisk together the mascarpone, double cream, caster sugar, and vanilla extract until smooth and slightly thickened. The goal is to create a creamy yet airy consistency—light enough to spread easily but rich enough to hold its shape. Be careful not to over-whip, as mascarpone can become too stiff.
Step 2: Brew the Coffee
Brew a strong cup of coffee and allow it to cool to room temperature. If you prefer a slightly sweeter coffee base, you can stir in a teaspoon of sugar while it’s still hot.
Step 3: Dip & Layer the Sponge Fingers
Take each sponge finger and dip it quickly into the cooled coffee. Be careful not to soak them for too long—just a quick dip to absorb the coffee without becoming soggy. Arrange a single layer of dipped biscuits at the bottom of your serving dish.
Step 4: Add the Caramel Layer
Gently drizzle a generous amount of caramel sauce over the coffee-soaked sponge fingers. Spread it evenly with a spoon or spatula to ensure every bite has that rich, buttery caramel goodness.
Step 5: Layer with Mascarpone Cream
Spoon a layer of the mascarpone mixture over the caramel, smoothing it out evenly. Repeat the process with another layer of coffee-dipped sponge fingers, another drizzle of caramel, and a final layer of mascarpone cream.
Step 6: Create the Chocolate Topping
In a small saucepan or microwave, gently heat the double cream until warm (but not boiling). Pour the warm cream over the chopped dark chocolate and stir until completely melted and smooth. Let it cool slightly before drizzling over the top of the tiramisu.
Step 7: Chill & Serve
Cover the tiramisu with plastic wrap and refrigerate for at least 4 hours, preferably overnight. This allows the flavors to meld together and creates the perfect creamy texture. Before serving, dust the top with cocoa powder, add chocolate shavings, and, if you’re feeling extra fancy, a touch of gold leaf for that true millionaire’s touch.

Helpful Tips
- Use good quality coffee – Since coffee is a key flavor in tiramisu, make sure to use strong, high-quality coffee for the best taste.
- Don’t over-soak the biscuits – A quick dip is all you need; too much coffee will make them fall apart.
- Chill for at least 4 hours – Overnight is even better! This allows the tiramisu to set properly and enhances the flavors.
- Customize the layers – Want extra caramel? More chocolate? Adjust to your taste for the perfect balance.
- Use a sharp knife for clean slices – If you’re serving this in a dish where neat slices matter, use a hot knife to cut through cleanly.
Recipe Details
- Prep Time: 20 minutes
- Chill Time: 4 hours (minimum)
- Total Time: 4 hours 20 minutes
- Yield: 8 servings
- Category: Dessert
- Method: No-bake
- Cuisine: Fusion (Italian-inspired)
- Diet: Vegetarian

Notes
- Mascarpone Consistency: If your mascarpone is too firm straight out of the fridge, let it sit at room temperature for about 10 minutes before mixing. This helps create a smooth, lump-free cream.
- Adjusting Sweetness: If you prefer a less sweet tiramisu, reduce the sugar slightly or use a dark chocolate with a higher cocoa percentage for a more balanced flavor.
- Layering Tip: For the best structure, press the layers down lightly as you assemble to help everything settle without becoming too compact.
- Serving Suggestion: This dessert pairs beautifully with a cup of espresso or a scoop of vanilla ice cream for an extra special touch.
- Making Individual Portions: Instead of assembling in a large dish, try making mini tiramisus in glasses or ramekins for a stunning, single-serve presentation.
- Dietary Adaptations: If you need a dairy-free option, you can substitute the mascarpone and cream with plant-based alternatives like coconut cream and dairy-free cream cheese.
Storage Instructions
- In the fridge: Store in an airtight container for up to 3 days. The flavors actually improve over time, making it a great make-ahead dessert.
- In the freezer: While traditional tiramisu doesn’t freeze well due to its creamy texture, this version can be frozen if necessary. Wrap tightly and freeze for up to 1 month. Let it thaw in the fridge overnight before serving.
Frequently Asked Questions
Can I make this without coffee?
Yes! If you’d like a coffee-free version, you can dip the sponge fingers in warm milk or hot chocolate instead.
Can I use store-bought caramel sauce?
Absolutely! A high-quality store-bought caramel sauce works perfectly, but if you have the time, homemade caramel adds an extra touch of richness.
What’s the best dish to use for tiramisu?
A glass or ceramic dish works best, allowing you to see the beautiful layers. Individual glasses or ramekins are also a fun way to serve this dessert.
Can I make this ahead of time?
Yes! Tiramisu actually tastes better when it has time to sit in the fridge for several hours or overnight, making it an ideal dessert for prepping ahead.

Related Recipes
If you loved this Millionaire’s Tiramisu, you might also enjoy these decadent desserts:
- Cherry Tiramisu – A Delightful Twist on a Classic
- Triple Chocolate Mousse Cake – A Decadent Masterpiece for Chocolate Lovers
- White Chocolate Raspberry Tiramisu – A Decadent Layered Delight
- Tiramisu Overnight Oats: A Dessert-Inspired Breakfast You’ll Adore
Conclusion
This Millionaire’s Tiramisu is the ultimate fusion of two luxurious desserts, bringing together velvety mascarpone, caramel, chocolate, and coffee-soaked biscuits in a no-bake masterpiece. Whether you’re looking to impress your guests or simply treat yourself, this dessert delivers pure indulgence in every bite. Make it ahead, let the flavors meld, and enjoy a slice of pure decadence. Happy baking!
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Millionaire’s Tiramisu
Description
There’s something utterly indulgent about tiramisu. The way the layers of creamy mascarpone meet soft, coffee-soaked biscuits is already a dream, but when you elevate it with a “Millionaire’s” twist—rich caramel, velvety chocolate, and a touch of golden decadence—it becomes pure luxury in dessert form.
This version of tiramisu takes inspiration from the classic Millionaire’s shortbread, known for its luscious caramel, chocolate topping, and buttery biscuit base. By blending these elements with the traditional Italian tiramisu, you get a dessert that’s not only rich and satisfying but also visually stunning. Whether you’re making it for a special occasion, a dinner party, or just as a personal treat, this recipe will have everyone asking for seconds.
Ingredients
For the Mascarpone Cream:
- 250g mascarpone cheese
- 300ml double cream
- 100g caster sugar
- 1 tsp vanilla extract
For the Coffee & Biscuit Layer:
- 200ml strong brewed coffee (cooled)
- 2 tbsp cocoa powder (for dusting)
- 200g sponge fingers (ladyfingers)
For the Caramel Layer:
- 150g caramel sauce
For the Chocolate Topping:
- 100g dark chocolate (melted)
- 50ml double cream
Optional Garnishes:
- Chocolate shavings
- Gold leaf (for an extra luxurious touch)
Instructions
Step 1: Prepare the Mascarpone Cream
In a large mixing bowl, whisk together the mascarpone, double cream, caster sugar, and vanilla extract until smooth and slightly thickened. The goal is to create a creamy yet airy consistency—light enough to spread easily but rich enough to hold its shape. Be careful not to over-whip, as mascarpone can become too stiff.
Step 2: Brew the Coffee
Brew a strong cup of coffee and allow it to cool to room temperature. If you prefer a slightly sweeter coffee base, you can stir in a teaspoon of sugar while it’s still hot.
Step 3: Dip & Layer the Sponge Fingers
Take each sponge finger and dip it quickly into the cooled coffee. Be careful not to soak them for too long—just a quick dip to absorb the coffee without becoming soggy. Arrange a single layer of dipped biscuits at the bottom of your serving dish.
Step 4: Add the Caramel Layer
Gently drizzle a generous amount of caramel sauce over the coffee-soaked sponge fingers. Spread it evenly with a spoon or spatula to ensure every bite has that rich, buttery caramel goodness.
Step 5: Layer with Mascarpone Cream
Spoon a layer of the mascarpone mixture over the caramel, smoothing it out evenly. Repeat the process with another layer of coffee-dipped sponge fingers, another drizzle of caramel, and a final layer of mascarpone cream.
Step 6: Create the Chocolate Topping
In a small saucepan or microwave, gently heat the double cream until warm (but not boiling). Pour the warm cream over the chopped dark chocolate and stir until completely melted and smooth. Let it cool slightly before drizzling over the top of the tiramisu.
Step 7: Chill & Serve
Cover the tiramisu with plastic wrap and refrigerate for at least 4 hours, preferably overnight. This allows the flavors to meld together and creates the perfect creamy texture. Before serving, dust the top with cocoa powder, add chocolate shavings, and, if you’re feeling extra fancy, a touch of gold leaf for that true millionaire’s touch.
Notes
- Mascarpone Consistency: If your mascarpone is too firm straight out of the fridge, let it sit at room temperature for about 10 minutes before mixing. This helps create a smooth, lump-free cream.
- Adjusting Sweetness: If you prefer a less sweet tiramisu, reduce the sugar slightly or use a dark chocolate with a higher cocoa percentage for a more balanced flavor.
- Layering Tip: For the best structure, press the layers down lightly as you assemble to help everything settle without becoming too compact.
- Serving Suggestion: This dessert pairs beautifully with a cup of espresso or a scoop of vanilla ice cream for an extra special touch.
- Making Individual Portions: Instead of assembling in a large dish, try making mini tiramisus in glasses or ramekins for a stunning, single-serve presentation.
- Dietary Adaptations: If you need a dairy-free option, you can substitute the mascarpone and cream with plant-based alternatives like coconut cream and dairy-free cream cheese.