
So I came up with this cake last year when my mom asked me to bring "something chocolate" to Easter dinner. I was feeling lazy and didn't want to make a scratch cake, but also didn't want to just bring a plain box mix and get that look from my sister in law who always brings perfect homemade everything. This ended up being the best of both worlds - crazy simple but still impressive enough to shut up the family baking snobs.
My neighbor Tim, who swears he "hates coconut with a passion," accidentally tried this at a cookout last summer thinking it was just chocolate cake. Caught him going back for seconds while telling his wife he'd "made an exception just this once." Sometimes you just need the right recipe to change someone's mind.
Ingredients
- Chocolate Cake Mix: Yeah, it's cheating. No, I don't care. It works perfectly and nobody can tell the difference once you doctor it up.
- Sweetened Condensed Milk: This sticky, sweet miracle makes the coconut layer almost candy like - don't substitute or you'll lose the magic.
- Shredded Coconut: The sweetened kind from the baking aisle works best - the natural unsweetened stuff doesn't have the same texture or flavor punch.
- Real Chocolate Chips: Spring for the good ones if you can - those Ghirardelli ones make a difference in the ganache.
- Heavy Cream: Don't try to lighten up with half and half or milk - the ganache needs the fat to set up properly.
I tried making this once with a scratch cake recipe instead of the box, and honestly? Nobody could tell the difference except me and I only noticed because I had to wash three extra bowls. Sometimes shortcuts are there for a reason.

Step-by-Step Instructions
- The Cake Part
- Nothing fancy here - just follow what the box says. I usually add an extra egg to make it a bit richer, but that's optional. The only important thing is not to overbake it. You want it fully cooked but still moist. That toothpick should come out with maybe one or two crumbs clinging to it - not wet batter, but not bone dry either.
- The Coconut Middle
- Mix this up while the cake is in the oven so it's ready to go. It'll seem super thick and sticky, almost like stiff cookie dough. That's exactly what you want - it needs to hold up as its own layer. Spreading it on the warm cake is key - not hot from the oven cake, but definitely still warm. Give the cake about 10 minutes to cool before you start spreading.
- The Ganache Top
- This is where people think you did something complicated, but it's ridiculously simple. The key is getting the cream hot enough to melt the chocolate but not boiling. I usually pull it off the heat right when I see the first tiny bubbles forming at the edge of the pan. Then just pour it over the chips and don't touch it! Seriously, the hardest part is being patient for those 2 minutes. Then stir slowly until it comes together - don't whisk vigorously or you'll get air bubbles.
- The Waiting Game
- Refrigerating for an hour is the bare minimum - three hours is better, overnight is best. I know it's hard to wait, but the difference in texture and flavor is worth it. The coconut layer gets this amazing chewy meets creamy thing happening, and the ganache sets up perfectly - not hard, but not runny either. Just right for getting that perfect fudgy bite.
The first time I made this, I poured the ganache on while it was still super hot and ended up with a weird coconut chocolate swirl instead of distinct layers. Still tasted good, but didn't have that wow factor when you slice into it and see those perfect layers.
Switching It Up
If you're feeling fancy, you can toast about half the coconut before mixing it in - gives it a nutty flavor that's amazing. For a holiday version, I sometimes add a few drops of peppermint extract to the ganache and sprinkle crushed candy canes on top. My cousin makes it with German chocolate cake mix instead of regular chocolate, which is pretty next level if you're a coconut fanatic.
Make Ahead Magic
This cake actually gets better after a day in the fridge, which makes it perfect for prepping ahead for parties. I've made it up to three days before an event and it was still perfect. Just keep it covered so it doesn't pick up weird fridge smells. If you're taking it somewhere, it travels really well since it's not some delicate, easily crushed frosting on top.

The Real Secret
The best thing about this cake is watching people's faces when they take their first bite. There's always this moment of surprise - like they were expecting just another chocolate cake and got something way more interesting. Then they always ask for the recipe, and I have to decide whether to tell them how embarrassingly easy it is or let them think I slaved away for hours. Usually depends on how much I like them.
I've made this cake probably twenty times now, and it's become my go to when I need to bring a dessert somewhere but don't have the energy for anything complicated. It's saved my butt for last minute potlucks, surprise visitors, and those times when I promised to bake something and then completely forgot until the day before. Sometimes the best recipes aren't the fanciest ones - they're the ones that never let you down.
Frequently Asked Questions
- → Can I use a homemade chocolate cake instead of a box mix?
- Absolutely! Any homemade chocolate cake recipe that makes a 9x13 cake will work perfectly. Just prepare and bake your favorite recipe instead of the box mix, then continue with the coconut filling and ganache steps.
- → How do I store this cake and how long does it last?
- Store the cake covered in the refrigerator for up to 5 days. The ganache topping will firm up when cold, so you might want to let slices sit at room temperature for 10-15 minutes before serving for a softer texture.
- → Can I make this cake in advance for a party?
- This cake is perfect for making 1-2 days ahead! The flavors actually improve as they meld together in the refrigerator. Make the complete cake, cover it well, and refrigerate until needed.
- → Can I use unsweetened coconut instead of sweetened?
- Yes, but the filling will be less sweet. If using unsweetened coconut, consider increasing the powdered sugar to 3/4 cup to compensate. You can also toast the coconut first for enhanced flavor.
- → My ganache seems too thin. How can I fix it?
- If your ganache is too thin, let it cool longer at room temperature, stirring occasionally until it thickens. If it's still too thin, you can refrigerate it for 5-10 minutes, then stir again. Be careful not to over-chill, or it will become too firm to spread.
- → Can I freeze this cake?
- Yes! This cake freezes well for up to 3 months. Cut it into individual portions, wrap each piece in plastic wrap, then store in a freezer bag. Thaw overnight in the refrigerator or for about 1 hour at room temperature before serving.