If you adore classic tiramisu but crave a luscious, caramel-infused twist, you are about to fall head over heels for this Millionaire’s Tiramisu Recipe. It takes the beloved Italian dessert to an indulgent new level by swapping out the traditional mascarpone with creamy cream cheese and rich dulce de leche. Every bite offers a heavenly balance of coffee-soaked ladyfingers, velvety caramel cream, and a dusting of cocoa that will have you dreaming of dessert even before the first forkful. This recipe is perfect for anyone who loves no-bake desserts that feel luxurious but come together with simple, approachable ingredients.
Ingredients You’ll Need
All the ingredients in this recipe work harmoniously to provide amazing flavor and texture. From the crisp ladyfingers to the smooth caramel cream, each component is crucial in building this irresistible layered dessert.
- 24 ladyfinger biscuits (savoiardi): These spongy cookies absorb coffee beautifully, creating the perfect base texture.
- 1 cup brewed espresso or strong coffee (cooled): Provides that essential coffee kick that defines tiramisu.
- 2 tablespoons coffee liqueur (optional): Adds a deeper, boozy complexity to the soaking liquid if you like a spirited touch.
- 1 (8 oz) block cream cheese (softened): The creamy heart of the dessert offering a rich, smooth texture.
- 1/2 cup dulce de leche or caramel sauce (plus extra for drizzling): Infuses the dish with buttery caramel sweetness that makes it truly millionaire-worthy.
- 1/2 cup powdered sugar: Sweetens and balances the cream mixture perfectly without graininess.
- 1 teaspoon vanilla extract: Adds a warm aroma and depth to the cream filling.
- 1 1/4 cups heavy whipping cream: Whipped to light, fluffy peaks to add airiness and luxurious mouthfeel.
- 2 tablespoons cocoa powder (for dusting): Offers a rich, bittersweet finish and classic tiramisu look.
- Grated chocolate or chocolate shavings (optional): A lovely decorative touch that adds texture and elegance.
How to Make Millionaire’s Tiramisu Recipe
Step 1: Prepare the Coffee Mixture
Start by combining the brewed espresso or strong coffee with the coffee liqueur in a shallow dish. This soaking liquid is key to infusing the ladyfingers with that iconic tiramisu flavor. Let it sit to cool if freshly brewed to avoid soggy cookies!
Step 2: Make the Caramel Cream
In a large mixing bowl, beat together softened cream cheese, dulce de leche, powdered sugar, and vanilla extract until the mixture is silky smooth. This creamy base will bring velvety caramel sweetness to your dessert that differs delightfully from classic tiramisu.
Step 3: Whip the Cream
In a separate bowl, whip the heavy cream until stiff peaks form. This lightens the cream cheese mixture and adds fluffy texture. Gently fold the whipped cream into the caramel cream cheese blend, taking care to keep it airy and smooth without deflating.
Step 4: Assemble the Layers
Quickly dip each ladyfinger biscuit into the coffee mixture for about 1–2 seconds per side—just enough to soak without becoming mushy. Arrange half of them in a 9×9-inch dish to form the first layer. Spread half of the caramel cream mixture evenly over the soaked ladyfingers. Repeat with the remaining ladyfingers and cream mixture to build a second layer that promises every bite is packed with flavor.
Step 5: Chill and Set
Smooth the top surface and cover the dish. Refrigerate for at least 4 hours or overnight to allow the flavors to meld and the dessert to set beautifully. Patience here ensures a rich, sliceable tiramisu unlike any other.
How to Serve Millionaire’s Tiramisu Recipe

Garnishes
Before serving, dust the top generously with cocoa powder to evoke that classic tiramisu look and mood. For an extra wow factor, sprinkle grated chocolate or chocolate shavings and drizzle some leftover caramel sauce. These garnishes add depth, texture, and irresistible visual appeal.
Side Dishes
This decadent tiramisu pairs wonderfully with fresh berries for a bright contrast or a light espresso or cappuccino to echo the coffee notes. You might also serve it alongside a scoop of vanilla bean ice cream for an extra indulgent treat perfect for special occasions.
Creative Ways to Present
Feel free to get creative by assembling this Millionaire’s Tiramisu Recipe in individual glass jars or elegant martini glasses for a stunning presentation at dinner parties. Layered in clear containers, the striking contrast between coffee-soaked ladyfingers and creamy caramel topping becomes a feast for the eyes, too!
Make Ahead and Storage
Storing Leftovers
Store any leftover tiramisu covered tightly in the refrigerator. It’s best enjoyed within 2–3 days, by which time the flavors will have intensified even more.
Freezing
If you want to save some for later, this tiramisu freezes well. Wrap it securely with plastic wrap and foil before freezing. When ready to enjoy, thaw it slowly in the refrigerator overnight to preserve its texture and flavor.
Reheating
Since tiramisu is a chilled dessert, reheating is not recommended. It’s meant to be served cold to fully enjoy its creamy, refreshing character.
FAQs
Can I use mascarpone cheese instead of cream cheese?
Absolutely! Using mascarpone will give you a more traditional tiramisu texture and flavor. Cream cheese offers a tangier, firmer option, but both work beautifully in the Millionaire’s Tiramisu Recipe.
Is it necessary to use coffee liqueur?
No, the coffee liqueur is optional. It adds extra depth and a warm kick, but the dessert is delicious without it, especially if serving to those who avoid alcohol.
How long should I soak the ladyfingers?
Just 1 to 2 seconds per side is perfect to prevent sogginess while still allowing them to absorb enough coffee flavor. Quick dipping keeps the ladyfingers intact and the dessert perfectly layered.
Can I make Millionaire’s Tiramisu Recipe dairy-free?
With some ingredient substitutions, yes! Try dairy-free cream cheese, coconut cream whipped in place of heavy cream, and ensure your dulce de leche or caramel is vegan-friendly for a delicious alternative.
How many servings does this recipe make?
This Milleonaire’s Tiramisu Recipe yields about 9 generous servings, perfect for sharing at family gatherings or special celebrations.
Final Thoughts
If you’re looking to impress with a show-stopping dessert that combines familiar comforts and extravagant flavors, I wholeheartedly encourage you to try the Millionaire’s Tiramisu Recipe. It’s a divine no-bake treat that’s easy to assemble yet feels incredibly decadent. Your friends and family will be asking for this one on repeat – trust me, once you taste that golden caramel and coffee-soaked deliciousness, you’ll want to keep it in your dessert repertoire forever.
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Millionaire’s Tiramisu Recipe
- Prep Time: 20 minutes
- Cook Time: 0 minutes
- Total Time: 4 hours 20 minutes
- Yield: 9 servings
- Category: Dessert
- Method: No-Cook
- Cuisine: Italian-American Fusion
- Diet: Vegetarian
Description
Millionaire’s Tiramisu is a luscious and decadent no-bake dessert that combines classic Italian tiramisu flavors with a rich caramel twist. Layers of coffee-soaked ladyfingers are paired with a creamy blend of cream cheese and dulce de leche, topped with whipped cream and dusted with cocoa powder for a perfect balance of sweetness and texture. Ideal for an indulgent treat that impresses with minimal effort.
Ingredients
Liquid Mixture
- 1 cup brewed espresso or strong coffee (cooled)
- 2 tablespoons coffee liqueur (optional)
Caramel Cream Mixture
- 1 (8 oz) block cream cheese (softened)
- 1/2 cup dulce de leche or caramel sauce (plus extra for drizzling)
- 1/2 cup powdered sugar
- 1 teaspoon vanilla extract
- 1 1/4 cups heavy whipping cream
Assembly
- 24 ladyfinger biscuits (savoiardi)
- 2 tablespoons cocoa powder (for dusting)
- Grated chocolate or chocolate shavings (optional)
Instructions
- Prepare Coffee Mixture: In a shallow dish, combine the brewed espresso or strong coffee with coffee liqueur if using. Set aside to allow flavors to meld.
- Make Caramel Cream Cheese Mixture: In a large mixing bowl, beat the softened cream cheese, dulce de leche, powdered sugar, and vanilla extract together until smooth and creamy, creating a rich caramel base.
- Whip Heavy Cream: In a separate bowl, whip the heavy cream until stiff peaks form, ensuring a fluffy texture for the cream layer.
- Fold Cream into Caramel Mixture: Gently fold the whipped cream into the caramel cream cheese mixture until fully combined, careful to maintain the lightness of the whipped cream.
- Dip Ladyfingers: Quickly dip each ladyfinger into the coffee mixture for 1–2 seconds per side to absorb flavor without sogginess.
- Assemble First Layer: Arrange half of the dipped ladyfingers in a 9×9-inch dish, creating an even base for the dessert.
- Add First Cream Layer: Spread half of the caramel cream mixture evenly over the ladyfingers to form the first creamy layer.
- Repeat Layers: Repeat dipping and layering with the remaining ladyfingers, then top with the remaining caramel cream mixture, smoothing the surface.
- Chill: Cover the assembled tiramisu and refrigerate for at least 4 hours or overnight to allow the flavors to meld and dessert to set properly.
- Garnish and Serve: Before serving, dust the top with cocoa powder, add grated chocolate or chocolate shavings if desired, and drizzle with extra caramel sauce for added indulgence.
Notes
- This recipe uses cream cheese and dulce de leche for a caramel-infused twist on traditional tiramisu, but mascarpone can be substituted for a more authentic texture.
- Do not soak the ladyfingers for too long to prevent sogginess; 1–2 seconds per side is sufficient.
- Allow the dessert to chill for at least 4 hours; overnight chilling enhances flavor and texture.
- For an alcohol-free version, omit the coffee liqueur.
- Optional toppings like grated chocolate add an elegant finish and extra texture.


