Millionaire’s Bar

Millionaire’s Bar is a sweet, layered dessert made with a shortbread crust, caramel filling, and a semi-sweet chocolate topping. Try my Caramel Shortbread Pie for another decadent treat made with shortbread and caramel.

Millionaire’s Bar

Millionaire’s Bars, also known as caramel shortcake or caramel squares is a recipe that starts with a homemade shortbread cookie crust. The buttery cookie is the perfect complement to the homemade caramel filling. And, the chocolate layer on top makes this ‘rich’, three-layer dessert worthy of its name! 

Millionaires Bars Stacked

Millionaire’s Bars Ingredients

There are three parts to this recipe–the shortbread cookie crust, the caramel filling, and the chocolate topping.

Challenge Butter: It’s all about the butter in my shortbread cookie recipe, as well as the caramel filling. So, of course, I used my favorite Challenge butter. Challenge Butter is made the old-fashioned way, churned fresh daily from the freshest milk and cream from happy cows at family-owned dairies since 1911. I used unsalted butter in this recipe, but salted butter would be fine to use as well.

Cornstarch: Using 1/4 cup of cornstarch kept the shortbread cookie crust together, but still soft. You could also use 1/4 cup rice flour in place of cornstarch.

Superfine Sugar: Also known as caster sugar, the superfine crystals make a difference in the shortbread recipe. If you don’t have caster sugar, simply process granulated sugar in a food processor for about 30 seconds. (Granulated sugar causes the cookies to be too coarse and confectioners’ sugar will make the cookies too dry.)

Sweetened Condensed Milk: Be careful to choose sweetened condensed milk in the caramel filling. Do not use evaporated milk in this recipe.

Corn Syrup: Corn syrup is an important ingredient in candy recipes, including this homemade caramel. It is processed from cornstarch and gives the caramel layer a smooth, glossy texture. It also keeps it from being grainy.

Semi-sweet Chocolate: Semi-sweet chocolate keeps these already sweet treats from being overly sweet.

Millionaire Bars made with Challenge Butter

How to Make Shortbread

This recipe is one of the very few times that I will have you use cold butter. Keep it cold until you are ready to cut it into cubes. To get started, combine the flour, corn starch, sugar, and salt in the bowl of a stand mixer with a paddle attachment. (You could also get away with a handheld electric mixer.)

Next, cut the cold butter into 1/2-inch cubes, working quickly to keep it cold. Place the butter in a small bowl and add 1/4 cup of the flour mixture to the bowl, coating the cubes of butter. Pour the floured butter (as well as any extra flour mixture) back into the bowl of the stand mixer. Mix on low for about 4 minutes. Remove the bowl from the stand mixer and use your hands to toss the ingredients together, rubbing in any butter bits.

Press the shortbread mixture firmly and evenly into an 8×8-inch pan lined with parchment paper, smoothing the mixture with the back of a spoon. Pierce the dough with a fork in one-inch intervals. Bake the shortbread at 350°F for 35-40 minutes, or until the top and edges are lightly golden brown. Remove the shortbread from the oven, and, while the crust is hot, press it down with a spatula. Set it aside to cool as you prepare the caramel filling.

Pouring Caramel onto Shortbread for Millionaire Bars

Caramel Filling

While the shortbread crust is cooling, make the caramel filling. I would suggest pulling up a stool or a chair when you are about the make the caramel. You will be stirring constantly (yep, no breaks) for at least 15 minutes as the mixture reaches 236°F on a candy thermometer. If you stop stirring, there is a chance the caramel may burn, causing unsightly flecks in your beautiful caramel filling. If you notice that happening, quickly reduce the heat (but don’t stop stirring)!

Once the caramel is at 236°F, pour the very hot caramel over the cooled shortbread crust. Spread the layer out evenly and let it chill in the refrigerator for about an hour and a half, or until completely cooled. This would be a great time to stretch and rest your arm that just got a pretty good workout with the constant stirring.

Cut Millionaire Bars

How to Make Millionaire’s Bars

With the crust baked, the caramel made and spread out as the second layer, and the bars cooled, it’s time to finish making these bars. To make the chocolate topping, melt the pieces of semi-sweet chocolate in the microwave. Heat the chocolate in 30-second intervals, stirring after each interval, until the chocolate is melted and smooth.

Finally, spread the melted chocolate over the layer of caramel and let the millionaire’s shortbread sit for about ten minutes. Once the chocolate is set (but not solid), cut the dessert into squares or rectangles to serve. Keep the dessert in the refrigerator, stored in an airtight container, for up to a week.

Stacked Millionaire Bars with One Bitten

Looking for More Decadent Desserts?

Banoffee Pie

Chocolate Peanut Butter Ooey Gooey Cake

Salted Caramel Brownies

Caramel Pumpkin Butter Bars

Chocolate Chip Caramel Bars

Millionaire’s Bars

Millionaire's Shortbread is a sweet, layered dessert made with shortbread, a caramel filling, and a semi-sweet chocolate topping.
Prep Time: 30 minutes
Cook Time: 40 minutes
Chill: 2 hours
Total Time: 3 hours 10 minutes
Course: Dessert
Cuisine: American
Keyword: Millionaires Bars
Servings: 16
Calories: 514kcal
Author: Amanda Rettke–



  • 1 cup (2 sticks or 227g) unsalted Challenge butter, cold
  • 1 ¾ cup (219g) all-purpose flour
  • ¼ cup (32g) cornstarch
  • cup (150g) superfine sugar, or caster sugar
  • ¼ teaspoon salt

Caramel Filling

  • 1 cup (2 sticks or 227g) unsalted Challenge butter
  • 1 can (14 ounces) sweetened condensed milk
  • ½ cup (119g) heavy cream
  • ½ cup (170.5g) corn syrup
  • 1 cup (200g) brown sugar, packed
  • ½ teaspoon kosher salt
  • ½ teaspoon vanilla

Chocolate Topping

  • 8 ounces semisweet chocolate baking bar, broken into pieces



  • Preheat the oven to 350°F. Line an 8×8-inch baking dish with parchment paper. Set aside.
  • In the bowl of a stand mixer with a paddle attachment, mix the flour, cornstarch, sugar, and salt at low speed until combined (about 5 seconds).
  • Cut the cold Challenge butter into ½-inch cubes. Place the butter cubes in a small bowl and toss with ¼ cup of the flour mixture.
  • Add the floured butter (with any extra flour) to the bowl of the stand mixer. Mix on low speed until the dough is light yellow in color and small crumbs (about 4 minutes).
  • Remove bowl from stand mixer and use your hands to toss the mixture and rub any remaining butter bits into the flour mixture.
  • Press the shortbread mixture firmly and evenly into the lined pan, smoothing it with the back of a spoon. Using a fork, pierce dough at 1-inch intervals.
  • Bake 35-40 minutes, or until the top and edges are lightly golden brown.
  • Remove the shortbread from the oven. While the crust is still hot, press it down with a spatula and set it aside to cool while you prepare the caramel filling.

Caramel Filling

  • In a large saucepan over medium heat, melt the Challenge butter.
  • Add sweetened condensed milk, heavy cream, corn syrup, brown sugar, salt, and vanilla. Stir until combined.
  • Continue cooking until the mixture reaches 236°F on a candy thermometer, stirring constantly (about 15-18 minutes).
  • Pour over the cooled shortbread crust and spread to an even thickness. (The mixture will be very hot). Let cool completely in the refrigerator, about 1½ hours.

Chocolate Topping

  • Add the chocolate pieces to a microwave-safe bowl. Heat the chocolate bits up in 30-second intervals, stirring in between each time, until the chocolate is completely melted with no lumps.
  • Spread the melted chocolate over the caramel. Set aside until chocolate is set (about 10 minutes).
  • Cut into strips or squares and serve.


Calories: 514kcal
Tried this recipe?Let us know how it was!

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