Chunky Monkey Sugar Free Oatmeal – warm, creamy, chocolatey, nutty, naturally sweet, and no added sugar required!

We’re big oatmeal fans here. My kids love it and I buy a large container of old-fashioned oats every couple of weeks. We like to mix up the flavors, and lately this Chunky Monkey Sugar Free Oatmeal has been a repeat request. The chocolate addition doesn’t hurt.

Simple Ingredients
This recipe uses everyday pantry staples: oats, banana, peanut butter, cocoa (or a cocoa syrup), and walnuts. A little chocolate for breakfast feels like an indulgence, but the combination also delivers protein and fiber to keep you satisfied through the morning.
Sugar-Free Option
Traditionally I make this with unsweetened cocoa powder and coconut sugar, but I recently tried a sugar-free chocolate syrup that replaces both the cocoa and sugar and keeps the oatmeal free of added sugar. Below you’ll find instructions for both variations. The sugar-free syrup I used has a rich chocolate flavor that feels similar to classic chocolate syrup but without the sugar — a handy option if you want to avoid added sweeteners.

Pantry-Friendly Alternatives
I received the sugar-free syrup as part of a contest prize and wanted to experiment with it — it worked well in this oatmeal and would likely be delicious in chocolate almond milk. That said, you can just as easily make this with 1 tablespoon unsweetened cocoa powder and, if you prefer, 2 tablespoons coconut sugar. Using very ripe bananas can often provide enough natural sweetness that extra sugar isn’t necessary.

Chunky Monkey Sugar Free Oatmeal
This oatmeal is warm, creamy, chocolatey and nutty — a satisfying breakfast that feels indulgent while still being wholesome. If you try this Chunky Monkey Sugar Free Oatmeal, please leave a comment with your feedback or share a photo on social media and tag the creator. Enjoy!
Chunky Monkey Oatmeal
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Ingredients
- 2 cups old fashioned oats (gluten free, if needed)
- 3 ¼ cups water
- 2 small (or 1 large) overripe bananas, smashed
- 2 tbsp natural creamy peanut butter
- ¼ cup raw walnuts (chopped)
- 2–3 tsp sugar-free cocoa syrup (or substitute 1 tbsp unsweetened cocoa powder and, optionally, 2 tbsp coconut sugar)
Optional toppings
- dollop of peanut butter, banana slices, chopped peanuts, drizzle of cocoa syrup, chocolate chips, etc.
Instructions
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Place the water, smashed banana, and oats in a pot over medium heat. Stir and bring to a gentle simmer.
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Stir in the peanut butter, cocoa syrup (or cocoa powder and coconut sugar), and chopped walnuts.
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Let the mixture simmer a few more minutes until it reaches your desired consistency.
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Serve warm with optional toppings such as chopped peanuts, banana slices, and an extra drizzle of cocoa syrup or a few chocolate chips.
Notes
Nutrition facts are calculated without toppings.
Nutrition
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Carbohydrates: 43g
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Protein: 8g
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Fat: 12g
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Fiber: 6g
Nutrition values are estimates calculated with online tools. Verify using your own data if needed.
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