‘Tis the time for cookie exchanges, holiday baking, and all things that sparkle with sugar. Temptations lurk. Right? I know you know what I mean. It’s hard navigating the holidays when every nook and cranny looks like a candy factory. Do yourself a solid, and prepare for YOUR holidays. A pan of these sticky ooey-gooey low carb millionaire bars will hard stop a sugar craving.
Sweet. These are SO sweet. Thick caramel, coated with snappy dark chocolate topping all on a buttery, crumbly crust. Yeah yeah yeah… I know!?
The best part? These low carb millionaire squares have no added sugars, and they are also;
- Keto-friendly
- Gluten-free
- and of course low carb.
Can you believe that caramel filling is sugar-free?
~This post may contain affiliate links. If you click one and make a purchase, I may receive a commission at no additional cost to you.
I only ever recommend what ingredients or tools I use for my recipes. You can read more about our disclosure policy here ~
Keto-Friendly Caramel Chocolate Shortbread Squares
I’ve always felt that dieting or watching your carb intake doesn’t mean the end of days for sweets. Saying “never” doesn’t work for me. I am not wired that way.
Willpower seems to go on holiday during December too, so I am usually left with too many temptations to ever say no. I find having that special treat for me kicking around allows me to partake without walking around in a sugar coma stupor for days.
I have lots of recipes here on Sugar-Free Sprinkles that will do the trick, but I have to say if you’re looking for that really decadent rich treat to get you through the holidays, try these millionaire squares.
You won’t regret these unless of course, you eat the entire tray.
What sweeteners work best for Low Carb Millionaire Squares?
Different sweeteners have different impacts on baked recipes. In this recipe, both the crust and the caramel filling have different sweetener recommendations.
Preferred sweeteners for the buttery coconut shortbread crust.
You can use your favorite 1:1 sweeteners in this recipe. I used So Nourished powdered monk fruit erythritol blend because that is currently my go-to favorite. Erythritol, swerve, xylitol, monk fruit, all will work at a 1:1 ratio.
What sweeteners work for the caramel filling?
The only sweetener that works for the caramel is allulose.
I tried this recipe in the past with erythritol (before I knew any better), and of course, it failed.
Erythritol and xylitol do not cook or carmelize the same way that allulose does. Allulose bakes up similar to regular sugar, with a few exceptions.
A reader suggested using half allulose and half erythritol. This does work, but I do find after a day or two the erythritol still crystalizes, but it does not harden entirely.
I personally like the caramel made with 100% allulose because the texture and flavor are bang on.
a bit about the millionaire bar crust
This is one of my favorite go-to crusts.
It’s made with coconut flour, no nut flours. It holds up well, isn’t overly crumbly, meaning you can eat a square out of your hand and have it hold together, and it’s buttery.
Although it doesn’t have the same flakey textures as old fashioned shortbread it still makes a great replacement.
It’s SUPER easy to make, but there are a few tips to make sure it turns out perfect every time.
- Toss all the crust ingredients into a bowl.
- Blend well.
- Continue to blend well until the dough starts to hold together and pull away from the sides of the bowl.
- The dough is sticky and a bit wet, it won’t at all feel like shortbread, or even crust, but it is the right consistency. Wet the back of a spoon with a bit of water and use the spoon to spread out the dough. You can also use your wet fingers to get the dough spread out evenly.
- Use a spatula and remove any bits off the side of the pan. This ensures the side pieces have no brown crust bits in the caramel.
- Make sure you use a fork and prick the crust all over before placing it in the oven.
A note about pans and over-browning
If you are using a thin-walled square cake pan, I suggest wrapping the bottom and sides with tin foil to prevent over-browning. Coconut flour over browns quickly and I find the addition of the tin foil reduces the risk.
I was recently introduced to USA pans and I am absolutely over the moon crazy about them. They are super heavy duty pans, and my low carb baking comes out perfect every time. With heavy-duty commercial grade pans, you do not need to take the extra step of covering with tin-foil.
a bit about the caramel filling
I’ve made the caramel filling many times and every single time I am surprised by how GOOD it tastes.
It turns thick and semi-chewy in the fridge and has absolutely NO graininess. It’s smooth, sweet, caramel all the way.
There are a few tips to ensure your caramel turns out perfectly.
- Do not cook on high. You have to simmer this on med-low heat for about 20-25 minutes. If you cook it too fast the allulose will burn and leave behind a bitter flavor.
- Do not stir during cooking. You do not want to get allulose up the sides of your pan. If you do, the allulose will burn, and possibly fall back into your beautiful pot of caramel. This will cause off-flavors and bitterness.
- Cook the caramel until it is amber-brown. The caramel will be runny when you pour it out of the pan, but it firms up very well when cooled.
This caramel is good on anything.
The topping
For the chocolate topping, I used Lily’s dark chocolate chips melted with a bit of coconut oil. The coconut oil softens the chocolate up enough to cut when the squares are cold from the fridge. It creates a better texture to go with these squares. It’s nice soft chewy bites, not hard snappy chocolate.
You can use any low carb or sugar-free chocolate you want. Lily’s milk chocolate chips would work well, but add an extra layer of sweetness.
- Use a heat-safe bowl and add 1 1/2 cup sugar-free chocolate chips.
- Add 1 Tbsp of coconut oil. The coconut oil is to give the chocolate a bit of a snap and to make it more spreadable. 1 minute in the microwave is all you need.
- Stir the chocolate and coconut oil until everything is melted and glossy.
- Pour over cooled crust and caramel.
- Spread it out quickly. The cold caramel will start to firm up the chocolate as soon as you pour it over the bars.
- Use a knife and zig-zag a pattern into your squares. The chocolate will be thicker now that it is cooler and the chocolate will stay put when you move it around.
Storage & serving for Low Carb Millionaire Bars
These low carb millionaire bars need to be stored in the fridge. This is one of the reasons why allulose is the preferred sweetener for the caramel. It will not grain up in the fridge and will keep smooth.
The caramel is also thick and gooey refrigerated, but not so much out in room temperature. The bars are softer when warm and the caramel will have a tendency to smoosh out the sides.
I mean this isn’t a bad thing. These are sticky and gooey, you expect sticky and gooey, so smushing out of the caramel isn’t necessarily a bad thing. But when warm they tend to make a glorious sticky mess. Just a heads up.
If you keep them stored in the fridge, you can stack them once they are nice and cold, but don’t stack too high, the weight of the bars will squeeze the caramel out of the bars on the bottom.
These bars store very well in the fridge for up to 5 days, so long as you keep them covered.
To prevent the caramel from seeping out when you cut these bars, heat a sharp knife under hot running water and wipe dry. The warm knife cuts through the chocolate easily and doesn’t push or squish the caramel out the sides.
The millionaire bars do not freeze well. You can make the crust in advance and freeze. The caramel can also be made a few days ahead. Since the caramel needs to be cold before you add it to the crust, making it in advance makes sense.
Searching for More Low Carb Baking Inspiration?
Try some of our most popular low carb and sugar free recipes:
- Sugar Free Birthday Cake
- Low Carb Blackberry Cheesecake
- Traditional Pumpkin Pie – No Sugar Added
- Salted Caramel Keto Cupcakes
- Cheesecake Filled Pumpkin Bread
Low Carb Millionaire Bars, A Perfect Treat for the Holiday Season.
Gooey sticky caramel filling on a buttery coconut crust topped with snappy dark chocolate. These millionaire bars are just like the originals but without the sugar and carbohydrates.
Ingredients
Shortbread Crust
- 1 cup coconut flour
- 3/4 cup butter (melted)
- 2 eggs
- 3 Tbsp powdered erythritol monk fruit blend (or your favorite sweetener)
- 2 Tbsp heavy cream
- 1 tsp vanilla
- 1 pinch of salt
Caramel Filling
- 1 1/2 cup granular allulose
- 1 1/4 cup heavy cream
- 3/4 cup unsalted butter
- 1 1/2 tsp Vanilla
- 1 tsp salt
Chocolate Topping
- 1 1/2 cup sugar-free dark chocolate chips (I use Lilly's)
- 1 Tbsp coconut oil
Instructions
Crust
- Preheat oven to 350F.
- Melt the butter and add it to a large mixing bowl.
- Blend eggs, vanilla, and cream in a small bowl and whisk until well blended and pour into the bowl with the melted butter.
- Add salt, coconut flour, and sweetener and mix until everything is well blended and comes together into a ball.
- Press the mixture into the bottom of a 9x9 square cake pan.
- Use a spatula and remove any crumb crusts from the sides of the cake pan.
- Prick crust with a fork.
- Bake in a 350F oven for 10 minutes and remove and cool before adding the filling.
Caramel Filling
- Add all ingredients for Caramel filling to a high walled saucepan.
- Turn the heat on low and allow ingredients to melt. Gently stir to combine before caramel starts to simmer.
- Allow to simmer on low heat for 20-25 minutes, or until the caramel turns amber brown. Do not stir while ingredients are simmering.
- Working carefully, pour caramel into a heatproof jar.
- Cool to room temperature and then place in the fridge to firm.
- Once cold, spoon caramel on top of the crust, cover with saran wrap and place back in the refrigerator.
- See caramel notes for options to make the caramel thicker at room temperature.
Chocolate topping.
- Add 1 1/2 cups sugar-free chocolate to a heat-safe bowl.
- Add 1 Tbsp coconut oil.
- Heat in microwave for 1 minute. Stir until chocolate is melted and smooth and glossy.
- Spread over caramel quickly. Use the tip of a knife to add a zig-zag pattern in the chocolate.
Notes
Tips for the low carb caramel filling
- Cook on low heat. Do not be tempted to cook on higher heat. Higher heat will cause the allulose to turn bitter.
- Do not stir the cooking caramel. Allow the caramel to bubble slowly to the right color.
- Allulose is the only sweetener that will properly caramelize. You can use erythritol, but it will grain up when cold quite a bit. You can minimize this by using half allulose and half erythritol. You will still encounter a bit of graininess after the second day in the fridge, but it's not significant. If you want truly smooth caramel, use 100% allulose.
- Burners vary in temperatures, my caramel cooked in 25 minutes on med-low heat. Your burner may differ and you may need to cook your caramel longer or shorter depending on the heat. The caramel should be on a slow rolling boil and will have reached the correct temperature when the caramel is amber brown.
- If you want the caramel to be firm at room temperature, you can either add 1/2 tsp of Xanthan gum to the allulose, butter, and heavy cream before you begin cooking. Or use 1 tsp of Pomona's Universal Pectin. Regular pectin will not work, you need to use pectin that thickens without sugar.
Tips for the crust
- If you are using a thin-walled cake pan I recommend covering it in tinfoil. Coconut flour has a tendency to over brown, and if the pan is thin, tinfoil greatly reduces over-browning. I love USA pans. They are heavy duty and I find for low carb baking they are the best. A heavy-duty commercial grade pan does not require the extra step of adding tinfoil.
Tips for the topping
- You can use butter in place of coconut oil. Low carb chocolate does not melt very well and is not spreadable without an addition. The single tablespoon of additional coconut oil makes the chocolate smooth, glossy and spreadable.
Recommended Products
As an Amazon Associate and member of other affiliate programs, I earn from qualifying purchases.
-
Powdered Monk Fruit Sweetener with Erythritol Confectioners (1 lb / 16 oz) -
Lily's Dark Chocolate Chips- 1x9 OZ
-
Anthony's Organic Coconut Flour
-
Hoosier Hill Farm ALLULOSE Low Calorie, Zero Net Carb Keto Sugar, Natural Sugar Alternative, Made in the USA, Granular Powder, 2 lb bag, batch tested gluten free
-
USA Pan Bakeware Square Cake Pan, 9 inch, Nonstick & Quick Release Coating, Made in the USA from Aluminized Steel
Nutrition Information:
Yield: 25 Serving Size: 1Amount Per Serving: Calories: 230Total Fat: 23gSaturated Fat: 13gTrans Fat: 0gUnsaturated Fat: 5gCholesterol: 59mgSodium: 155mgCarbohydrates: 8.2gNet Carbohydrates: 3.6gFiber: 4.6gSugar: 1gProtein: 3g
Nutritional information for the recipe is provided as a courtesy and is approximate only. We cannot guarantee the accuracy of the nutritional information given for any recipe on this site. Erythritol carbs (and sugar alcohols) are not included in carb counts as it has been shown not to impact blood sugar. Net carbs are the total carbs minus fibre.
Thank you!!!!! Thank you!!! Thank you!!!! I’ve been trying to buy allulose here in Canada for such a long time!! I’ve searched everywhere for this stuff. I have purchased Hoosier Hill products in the past and they are excellent. I’m soooo excited I purchased two bags to begin with. With Christmas on the horizon I’m looking at all kinds of recipes and there is nothing better then hearing “these are AWESOME” from non-Keto people. It makes me know that what I thought was comparable to the “real” thing truly is.
Me too Leanna, it was so hard to find. With that said, I just recently went to order additional allulose from Amazon.ca and guess what, it wasn’t there. There is a place in Toronto I order from https://www.gtanutrition.ca/product/sensato-allulose-all-natural-sweetener-454g/ It’s a different brand, but it tastes the exact same, no issues with it. Its a bit more expensive vs ordering from Hoosier Hill, but when I can’t get it from Amazon, I order from GTAnutrition. They ship fast (really fast) and I have never had a problem ordering from them. Allulose has been a game-changer for me, real caramel, marshmallow fluff, cookies, I even make savory sauces with it, and I swear I cannot tell it’s made with allulose. Good luck with your Christmas baking!
Laura, I just made this recipe and OMG, I am a big fan of yours now, girl!
I know this is spendy, but it comes to 7.00 a pound instead of 9.00 from Hoosier Hill. Maybe you can go in on it with a friend. Free shipping with Prime. I make candy and treats for a living and THANK YOU for introducing me to allulose and caramel that isn’t grainy.
My customers are going to be in HEAVEN!!
Jamie In Wyoming
Hi Jamie, my problem is I can’t find allulose in Canada with the exception of a vendor in Toronto where I pay almost double that price for a pound. Eep! I’ve tried a few different 100% allulose products and haven’t really seen a difference in the final products so I say if you can find it cheaper somewhere else save those dollars if you can. So glad you liked the caramel (it’s my fave too).
Yummy! The caramel just oozes out when cut! I made mine with allulose & I love that it doesn’t crystallize when it cools.
Oh I am so glad you liked it, Susan! Thanks so much for leaving a comment!
How beautiful these are! Thank you for your hard work! I use Bocha Sweet, as my carbless sweetener, as it seems to perform exactly like regular cane sugar. QUESTION: WHAT HAPPENS TO THESE IN THE FREEZER? Thanks!
Hi Mary, thanks for the comment. I never mention Bocha Sweet because it murders me on the inside. I don’t know why, but it is (for me) one of the worst sweeteners. But I had someone comment this week that doesn’t like allulose for the same reason I don’t like Bocha Sweet. It takes a lot of testing and trying to find the best sweetener for you, and I forget that what I like and works for me isn’t necessarily what works for everyone. Thanks so much for the comment and the suggestion I am sure my readers will find it very helpful.
Shoot I forgot to mention about freezing. I don’t know why, but I find the caramel, once it defrosts has a weird texture and that’s why I don’t recommend freezing. The crust and the chocolate do just fine, but the caramel isn’t perfect after thawing.
This looks like a great recipe! Do you think there would be any issues if I straight halved the recipe? Are there any recommendations you suggest with halving certain ingredients?
Thank you!
Hi Jaquey, you can half this recipe no problem. I would say that if you use the same size pan, you may have some issues with a very thin crust, but it should still hold together when cooled. That crust is pretty hardy. The filling, no problem at all, actually there have been a few comments around Pinterest about halfing the filling some people find it a bit over the top and admitted it really is. I had a really bad sugar craving when I made these. If you are just half the recipe to make in a smaller pan, you won’t have any problems cutting the recipe in half. Cheers!
You mention water for the Carmel filling in how to make it thicker at room temp. But I don’t see water in the recipe. I’m making this right now and don’t want to mess it up!
Hi Felicia, I just read through the entire post twice and I cannot see the comment you’re referring to. There is no water in this recipe. You need to add pectin to the allulose before you start cooking – specifically Pamonas pectin because it thickens without sugar, regular pectin will not work. Hope that answers your question, if not drop me another note, or send me an email. sugarfreesprinkles@gmail.com. Cheers!
How much pectin? Your notes for this recipe mention xanthan gum. Which is better?
Hi Wheetie, the pectin should be 1 tsp, and I missed that line in the notes, I’ve added it in. I personally prefer the pectin because the texture is better (that’s just my opinion). If you choose to use Pectin, you need to use pectin that will thicken without sugar like Pomona’s Universal Pectin.
I soooo want to make these, but am allergic to coconut… I think almond flour would be a good substitute, but what quantity? Any idea? 🤞🏻😃
Hi Nancy, removing the coconut flour and replacing it with almond flour isn’t as easy as it sounds, coconut flour has a different rate of liquid absorption vs almond flour, so the recipe would need to be tested and the wet/dry ratio would need to be adjusted. My suggestion would be to use a different base altogether, the base in this lemon tart recipe is 100% almond flour and should do the trick https://sugarfreesprinkles.com/lemon-cream-tart-low-carb-keto/. I hope that helps!
Will the caramel harden the longer it stays in the fridge. I cooked it in the jar in the fridge. Then poured it over the shortbread. Will it continue to harden in fridge?
Hi Alison, the caramel does get thicker in the fridge, there is a high content of butter in the recipe. That butter hardens quite a bit when cold and creates a thicker, chewy caramel. It doesn’t harden like say kraft caramels, it’s still soft, but it’s not nearly as runny when it is cooled off. I hope that helps!
So, it never quite hardened enough over night. It’s very runny. I did not use xantham gum or pectin. Is this a necessary step? I just started baking with Allulose and I’m very scared of burning it. I made snickerdoodles earlier this week with Allulose, and they tasted bitter because I overcooked theme. So, I was scared to overcook the caramel. Is it possible I didn’t cook long enough or is the non thickening because of no thickener such as pectin. Thanks for the help!! I use monk fruit sweetener all the time, but I have been bummed on an aftertaste. Allulose is exciting but it seems more temperamental.
Hi Alison, my guess is it wasn’t cooked long enough. In the post, I talk about how far to cook it and how to avoid that bitter taste ( I had that exact problem when I started testing and creating this recipe). That bitterness is caused by cooking on too high a heat too quickly. If you cook it slowly on medium heat and don’t scrape the sides, you will avoid the bitterness. Allulose is very similar to sugar in that you need to cook it until it hits the right stage for the recipe. I never use the pectin trick, or xanthan gum if the recipe I am using is cold, like ice cream, or squares that store in the fridge. If I want the caramel thicker at room temperature I will add either the xanthan gum (med soft) or pectin (firmer). I hope that helps!
There is liquid and powder form of Allulose. Which kind do you use in these?
It’s granular allulose, but I have had readers report that they used liquid and the recipe worked for them. I haven’t tested that myself so YMMV. Cheers!
This Caramel sauce is the BEST! I have made many keto friendly caramel sauces using different recipes. This is the real deal! Thank you!
So glad you liked the Lauren, and I so appreciate you leaving such a thoughtful and kind comment. psst, this stuff is GREAT in coffee with a splash of whipped cream.
Hi there! I’m trying to troubleshoot what I did wrong with the caramel. I put it in the fridge and the next day it had a solid light colored layer on top. I’m assuming the butter? Separated. The layer underneath was very thin caramel sauce. I did not stir while it was simmering for about twenty minutes. It was on low heat. I stopped when it looked caramel colored. Was I trying for a specific temperature? I hope you can help me out.
Hi Amanda, this is actually pretty common with caramel, it just means that the butter did not emulsify and separated. I do not have a good reason why can happen but the good news is that it is an easy fix. You can toss that caramel back on the stove, get it melted again, and really blend it well with a whisk, or even a stick blender. when you do melt it again, don’t heat it quickly, let it melt slowly, and bring it back up to a low boil and start whisking. That should bring the caramel back together. I hope this helps!
I cooked the crust…but, it still VERY soft. Is that normal or should I re-make the crust?
Hi Andrea, the crust hardens as it cools and should firm up quite a bit when cool. You should be able to cut them and hold them in your hand without the squares crumbling. Hope that helps!
Just made these tonight. Oh, my! The caramel sauce alone is worth the effort. It’s cooling now on the counter. I cooked it for about 25 minutes because it didn’t seem quite done at 20 so I’m hoping it all turns out. So far, so good!
I was able to get Allulose at Costco for a short time. It was expensive but then dropped waaayyy down in price. I have no clue why but I bought about seven #3 packages and wished I had bought more. I’m going through it quickly with all the goodies I’ve been making.
I’ll have to make the chocolate topping tomorrow. I’m tempted to stay up past midnight to finish them but better not since I’m teaching in the morning. These look to be amazing though. I’m passing the recipe on to friends. Thanks.
Hey Marti, thanks so much for leaving a comment always super appreciated. This recipe is by far one of our most loved, and I think it’s because of the caramel. (who doesn’t love caramel!). Hope you enjoy them 🙂
Hello Laura,
This recipe looks delicious and I’m making it now. Do you think it would be possible to put a cheesecake lander below the caramel? If so, what do you suggest making it with? Keto of course. Thank you again!!
Hi Chelse, yes you absolutely could. I’d bake the cookie crust halfway, add the cheesecake layer and finish baking. Let it all cool, add the caramel and chocolate and then brew a cup of coffee and devour more than I should. Sounds AMAZING. Let us know how it turns out!
My Carmel is way too runny still after 2 hours in fridge. How long should you refrigerate before eating?
Thank youuu!!
The crust is perfect! The chocolate is perfect! The Carmel isn’t firming up😞
It should have firmed up by now Nikki, it could be the caramel wasn’t quite cooked long enough. Did you use allulose? Shoot me an email and I can help you trouble shoot sugarfreesprinkles@gmail.com