Billionaires Tart
*This post may contain affiliate links. Please see my disclosure for more details!*
With a no-bake base, caramel layer, and chocolate ganache filling , this billionaires tart is unimaginably delicious!
Billions not millions
Yes thats right… BILLIONAIRES not millionaires. Honestly, I’m in love with this recipe. I decided to call it a billionaires tart rather than a millionaires tart because it has a chocolate crust rather than just normal.. so thats that. It might not be very technical, but it works!
I got a request for a billionaires tart on Twitter a while ago and I knew I wanted to post it asap, and I’ve made it several times since. It’s based on the idea of the one that Costa had, but with my own twists of course – I want a full sized dessert, not a mini slice.
Biscuit base
I decided to make it a no-Bake style dessert because you know.. I am me. However, you could easily make it into a bit more of a dessert (and more like the Costa one) if you used a chocolate pastry type crust. However I love the biscuit crusts with some cocoa powder in.
I used digestive biscuits for my base, but you can use pretty much anything. You could use oreos, biscoff biscuits, shortbread etc but it being a ‘millionaires’ style recipe I used shortbread. In my other recipes such as my no-bake Biscoff tart or my no-bake Rolo tart you can see the differences.
I blitz my biscuits to a super fine crumb, add in my melted butter, and then press the biscuit mixture into the base and sides of the loose bottomed 9″ tart tin that I am using.
Filling
Also like my no-bake Rolo tart, I used an easy caramel filling for the tart… because it’s SO easy. Honestly, take it out of a tin/jar and spread it on… boom you’re done. There are a few ready made caramels out there, the most iconic being the carnations caramel in a tin, but also most supermarkets sell their own caramels or dulce de leche that you can use
As well as using a ready-made caramel, you can also make your own homemade caramel sauce. This sauce tends to have a less sickly sweet flavour as you are making it yourself, but obviously this adds another level to the recipe.
The thing I love about using a caramel with a sprinkle of sea salt is that it tastes insane. I get that some people don’t like the sweet and salty combination, but its a dream for me. I use chunky Maldon sea salt, because I find it better and tastier than your regular fine salt. If you wanted though, you could change the filling to something completely different such as Nutella, or a different spread!
Ganache
The filling for this tart is a wonderful, chocolatey, rich, gooey treat. And honestly, I LOVE IT SO MUCH. It’s super chocolatey (which you can see from the pictures!) but its also so easy to make. Like, incredibly easy. All you have to do is heat the double cream up to just boiling, and pour over the chocolates, and butter, and whisk together until smooth.
You can also use the microwave for the ganache, and often this is the way I tend to lean as it’s so much easier. I add the two chocolates, butter, and cream to a large bowl and microwave in short bursts, stirring well each time, until smooth.
I use a combination of dark and milk chocolate because I find just dark a little too bitter sometimes, and I find just milk too sweet (when combined with the rest of the ingredients of this dessert!) but honestly its up to you. If you want to use just milk, you might need an extra 25-50g of milk chocolate as it will naturally be thinner than the combination of milk and dark chocolate
Decoration
So the main show of this recipe, to make up the parts of billionaires is the chocolate biscuit base, the caramel, and the ganache filling. However, the decoration is always a chance to level up a bake, especially a showstopper bake like this.
I use the shop bought mini millionaires bites, but you can make mini ones yourself. Of course, you can also use anything else – I also like crumbling over some biscuit, and adding some sprinkles to really make it slightly over the top, like always.
Tips & Tricks
- This dessert will last for 3 days in the fridge
- You can freeze this dessert for 3 months
- I use this dark chocolate
- I use this milk chocolate
- Here is a homemade caramel recipe
- I use this tart tin
- You can watch the Youtube tutorial here

Billionaires Tart
Ingredients
Biscuit Crust
- 300 g digestives
- 150 g unsalted butter
- 2 tbsps cocoa powder
Filling
- 250 g caramel sauce
- Pinch sea salt
- 300 ml double cream
- 125 g dark chocolate
- 125 g milk chocolate
- 50 g unsalted butter
Decoration
- 12 miniature shortbread bites
- Sprinkles
Instructions
For the Biscuit Crust
- Using a food processor, blitz all of the biscuits to a fine crumb, add the cocoa powder and mix in the melted butter. Press this into the sides and base of a 23cm pie/flan tin (mine was 3cm deep).
- It might be easier to use your hands and fingers for this! Make sure that the side parts are thick enough to hold once removed. Refrigerate for now.
For the Filling
- Spread the caramel/Dulce de Leche onto the biscuit base. Sprinkle over some sea salt!
- In a heatproof pan, add your double cream and heat until just boiling.
- In a separate bowl, add your chocolate (chopped up) and butter, and pour on the hot cream. Whisk together until smooth!
- If the chocolate is still slightly not melted, heat for 10 second bursts in the microwave until combined well.
- Pour the chocolate mixture onto the caramel and refrigerate for an hour.
For the Decoration
- After an hour of setting, add your miniature millionaires bites for one per slice, and add on some sprinkles.. and set again for another 3-4 hours.
Notes
- You can use shortbread for the base - reduce the butter content to 100g
- This dessert will last for 3 days in the fridge
- You can freeze this dessert for 3 months
- I use this dark chocolate
- I use this milk chocolate
- Here is a homemade caramel recipe
- I use this tart tin







Hi There
Can I use tinned carnation caramel?
TIA
Hi Jane. Would the Lindt Classic Milk and Lindt 70% dark work for this recipe? I am going to make this for Christmas and want to get it right!
Thanks in advance! x
They would, but to be honest I’d recommend just using supermarket own chocolate instead as it’s far cheaper! x
I followed the recipe exactly, the exact amounts of chocolate and the top didn’t set, despite leaving it in the fridge for hours.
It tasted delicious but it was very runny. Any ideas why?
Which brands of chocolate did you use? This only happens if the wrong strength of chocolate is used as it can’t set if the cocoa content is too low x