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Healthy Chocolate Steel Cut Oatmeal

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This chocolate steel cut oatmeal is healthy, creamy and delicious.  There is not refined sugar and so much goodness. It is sure to start your day with a smile!

bowl of chocolate oatmeal topped with sliced bananas, coconut and pecans.

A healthy and hearty breakfast that tastes like chocolate?  I am there every time!  This oatmeal eats like a treat.

It’s almost like chocolate tapioca.  But it’s even better because there’s no refined sugar and so much oatmeal goodness.

I love a little texture in my bowl of oatmeal, so steel cut oatmeal is perfect.  But there is plenty of creamy goodness too!

It is full of fruit, oatmeal and chocolate goodness.  Really there is fiber, antioxidants and goodness.

It is great on its own and even better with fun toppings.  We had ours with extra sliced bananas and toasted coconut.

I put some chopped pecans on mine, but of course I would never dare put any on my husband’s.

red dutch oven filled with chocolate steel cut oats.

I was a bit surprised when we took a bowl.  We aren’t huge breakfast eaters and he especially isn’t if it is sweet.

He is much more likely to fry himself a few eggs than reach for a bowl of oatmeal.  If he does make himself oatmeal, it is topped with butter, sugar and maple syrup.

Yes, sugar and syrup.  He eats his french toast that way too and the sugar has to be granulated.

Who knows?  It’s his thing, so I let him have it the one or two times a year we actually eat french toast or plain oatmeal.

Of course, we almost always eat our oatmeal baked.  I just love baked oatmeal in all of its forms.

I have two chocolate versions already.  Both the brownie baked oatmeal and hot chocolate baked oatmeal are delicious.

But sometimes you just want a bowl of hot oatmeal that you can eat with a spoon.

Close up of spoon filled with chocolate banana steel cut oatmeal.

On those days there is this chocolate steel cut oatmeal.  Or if you want something different, the apple pie steel cut oatmeal is also amazing and will make your whole house smell amazing while it cooks!  What are you favorite ways to eat oatmeal?

Love this recipe? Give it a ⭐⭐⭐⭐⭐ review in the recipe card below!

bowl of chocolate oatmeal topped with sliced bananas, coconut and pecans.

Healthy Chocolate Steel Cut Oatmeal

This chocolate steel cut oatmeal is healthy, creamy and delicious.  There is not refined sugar and so much goodness. It is sure to start your day with a smile!
4.84 from 6 ratings
Prep Time 3 minutes
Cook Time 30 minutes
Total Time 33 minutes
Course Breakfast
Cuisine American
Servings 6 Servings
Calories 238 kcal


  • 1 cup steel cut oatmeal
  • 3 cups water
  • 2 or 3 ripe bananas
  • ¼ cup cocoa powder
  • 1 cup milk
  • 1 pinch salt
  • Optional: honey banana slices, pecans, toasted coconut, a dollop of vanilla yogurt or strawberries


  • In a large heavy bottomed pot, bring the water to a boil. Stir in the oats and drop to a simmer.
    3 cups water, 1 cup steel cut oatmeal
  • Simmer for about 20 minutes, stirring occasionally.
  • Meanwhile, mash together the bananas and cocoa powder until smooth. Stir in the milk and a pinch of salt.
    2 or 3 ripe bananas, ¼ cup cocoa powder, 1 cup milk, 1 pinch salt
  • Stir the chocolate banana mixture into the oats and continue to cook over low, stirring frequently until the oatmeal is the desired texture. Add a little more milk or water if necessary.
  • Taste the oatmeal and stir in a Tablespoon or two of honey if you’d like it sweeter. Serve with desired toppings,


Serving: 1ServingCalories: 238kcalCarbohydrates: 42gProtein: 6gFat: 7gSaturated Fat: 5gPolyunsaturated Fat: 1gCholesterol: 5mgSodium: 110mgFiber: 5gSugar: 22g
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Sunday 29th of September 2019

Can you use milk instead of water?


Saturday 12th of May 2018

Hi Carlee, hope all is well with you. Haven't seen you at Food on Friday lately. The themes this month are Chocolate, Japanese Food, Sauces and Burgers. Would love to see this and other contributions from you. Cheers from Carole's CHatter


Sunday 20th of May 2018

I will swing by, Carole! Thanks!


Monday 5th of March 2018

Thank you!


Sunday 4th of March 2018

OK, I think that adding chocolate to your oatmeal may be cheating! What a great idea. I grew up on oatmeal but I have never had it with chocolate in it. I'm anxious to see if my grand kids like this.


Monday 5th of March 2018

I hope they do! We are big oatmeal fans, so this only deepens our love! <3


Wednesday 28th of February 2018

I love oatmeal on "need to be healthy" days haha! Great idea to add chocolate!


Monday 5th of March 2018

It's fun to have a few recipes that eat like a treat without the guilt!