If you are searching for a dessert that feels like a celebration in every bite, the Million Dollar Cake Recipe is your answer. This classic layered pineapple cake combines the moistness of yellow cake with the luscious creaminess of vanilla pudding and whipped topping, all enhanced by the tropical sweetness of crushed pineapple. The optional coconut and nuts add delightful texture, creating a cake that is rich, refreshing, and perfect for any occasion where you want to impress with something both simple and sensational.

Ingredients You’ll Need
The magic of this cake lies in using straightforward ingredients that come together to create something truly special. Each one plays a key role, whether it’s adding moisture, flavor, or that signature creamy texture that makes the Million Dollar Cake Recipe so irresistible.
- Yellow cake mix: The base that provides a light, fluffy texture and subtle sweetness.
- Eggs, oil, and water: Essential for mixing and baking the cake layers perfectly moist.
- Crushed pineapple (20 oz, undrained): Brings natural juiciness and a tangy-sweet fruitiness.
- Instant vanilla pudding mix (3.4 oz): Creates that creamy, rich filling that’s a cake game-changer.
- Whipped topping (8 oz, thawed): Adds fluffiness and lightness to the filling and frosting.
- Sour cream (1 cup): Gives the cake a tender crumb and a slight tang to balance sweetness.
- Sweetened shredded coconut (1 cup, optional): Adds tropical flavor and chewy texture if you like a little extra flair.
- Chopped pecans or walnuts (½ cup, optional): For a nutty crunch that pairs beautifully with the creamy elements.
- Maraschino cherries and extra pineapple (optional): Perfect for bright, colorful garnishes that wow your guests.
How to Make Million Dollar Cake Recipe
Step 1: Prepare and Bake the Cake Layers
Begin by preheating your oven to 350°F (175°C) and greasing two 9-inch round cake pans to prevent sticking. Mix the yellow cake mix according to the package instructions, typically involving eggs, oil, and water, until smooth. Divide the batter evenly between the two pans, ensuring even cooking. Bake for 25 to 30 minutes or until a toothpick inserted in the center comes out clean, signaling that your cake layers are perfectly done. Let them cool completely before moving on, so the filling doesn’t melt.
Step 2: Create the Luscious Pineapple Filling
While your cakes are cooling, head over to the large mixing bowl and combine the undrained crushed pineapple with the instant vanilla pudding mix. This combo forms the heart of your filling, offering a wonderful blend of sweetness and tropical flavor. Next, stir in the sour cream to add richness and a hint of tanginess. Finally, gently fold in the thawed whipped topping until everything is combined into a smooth, creamy filling that practically begs to be spread.
Step 3: Add Texture with Optional Mix-Ins
If you love a little extra dimension in your cake, fold in the shredded coconut and chopped nuts now. This step isn’t mandatory, but it elevates the flavor profile and provides that satisfying contrast between soft and crunchy.
Step 4: Assemble the Cake
Place one cake layer on your serving plate and generously spread half of the pineapple filling across the top. Then, carefully set the second cake layer on top of the filling and cover the entire cake with the remaining filling, smoothing it out nicely. This luscious frosting is what truly lives up to the “million dollar” name with its creamy texture and delicious tropical notes.
Step 5: Garnish and Chill
For the finishing touch, scatter maraschino cherries, pineapple tidbits, or extra coconut on top for a colorful, inviting presentation. Refrigerate the cake for at least 2 hours before serving — this step lets all the flavors meld and the cake set perfectly.
How to Serve Million Dollar Cake Recipe

Garnishes
Don’t underestimate the power of a beautiful garnish. Fresh maraschino cherries and pineapple chunks not only add a splash of color but boost the tropical vibe of the cake. A sprinkle of extra shredded coconut or chopped nuts on top completes the picture with texture and a lovely aroma.
Side Dishes
A slice of Million Dollar Cake pairs wonderfully with light and refreshing accompaniments. Think fresh fruit salads or a simple scoop of vanilla ice cream. These sides complement the richness of the cake without overpowering its delicate flavors.
Creative Ways to Present
Want to get a little fancy? Serve individual cake portions in pretty glass dessert dishes layered with extra pineapple and whipped topping. Alternatively, cut the cake into bars for easy party finger foods, perfect for summer picnics or family gatherings. The versatility of this cake truly makes it a crowd-pleaser.
Make Ahead and Storage
Storing Leftovers
The Million Dollar Cake keeps beautifully in the refrigerator, covered tightly with plastic wrap or in an airtight container. Leftovers stay fresh for up to 4 days, making it easy to enjoy this delight over several days.
Freezing
If you want to save some for later, this cake freezes well. Wrap it carefully in plastic wrap and then aluminum foil to avoid freezer burn. When you’re ready, thaw it overnight in the refrigerator for best texture and flavor retention.
Reheating
This cake is best served cold or at room temperature, so reheating is generally not needed. If you prefer, allow the thawed cake to sit out for about 30 minutes to warm slightly before serving, but avoid microwaving as it might affect texture.
FAQs
Can I make the Million Dollar Cake in a single pan?
Absolutely! You can bake the cake in a 9×13-inch pan for a simpler version. Just adjust the baking time slightly and layer the filling evenly on top without stacking layers.
Is it necessary to use instant pudding mix?
The instant pudding mix is what gives the filling its creamy, luscious texture. While you could experiment with homemade pudding, the instant mix offers convenience and consistent results.
Can I substitute the whipped topping with real whipped cream?
Yes, freshly whipped cream can be used, but it may alter the texture slightly and might not hold up as well in the filling. Using whipped topping ensures stability and ease of assembly.
What can I do if I don’t have nuts or coconut?
You can simply omit those or add other mix-ins like chopped dried fruit or white chocolate chips for a personalized touch without losing the essence of the cake.
How far in advance can I make the Million Dollar Cake Recipe?
This cake actually shines when made a day ahead as it allows all the flavors to meld and develop fully. Just be sure to refrigerate it properly until serving.
Final Thoughts
Sharing the Million Dollar Cake Recipe with you is like passing on a treasured secret to brighten your celebrations. It’s effortless to make yet delivers on flavor and wow-factor, perfect for impressing family and friends. Give it a try—you’ll soon see why this cake has earned its priceless reputation. Enjoy every bite!
Print
Million Dollar Cake Recipe
- Prep Time: 20 minutes
- Cook Time: 30 minutes
- Total Time: 50 minutes (plus at least 2 hours chilling time)
- Yield: 12 servings
- Category: Dessert
- Method: Baking
- Cuisine: American
- Diet: Vegetarian
Description
Million Dollar Cake is a luscious layered dessert featuring a moist yellow cake base topped with a creamy pineapple pudding mixture, whipped topping, and optional shredded coconut and nuts. This sweet and tangy cake is perfect for summer gatherings or any festive occasion, with rich flavors that meld beautifully after chilling.
Ingredients
Cake
- 1 box yellow cake mix (plus ingredients listed on the box: usually eggs, oil, and water)
Filling and Topping
- 1 can (20 oz) crushed pineapple (undrained)
- 1 package (3.4 oz) instant vanilla pudding mix
- 1 cup sour cream
- 1 container (8 oz) whipped topping (thawed)
- 1 cup sweetened shredded coconut (optional)
- ½ cup chopped pecans or walnuts (optional)
- Maraschino cherries and extra pineapple for garnish (optional)
Instructions
- Preheat and prepare pans: Preheat oven to 350°F (175°C) and grease two 9-inch round cake pans thoroughly to prevent sticking.
- Prepare cake batter: Prepare the yellow cake mix according to the package instructions, typically combining the cake mix with eggs, oil, and water. Divide the batter evenly between the two prepared pans.
- Bake the cake: Bake the cake layers in the preheated oven for 25–30 minutes or until a toothpick inserted into the center comes out clean, indicating doneness.
- Cool the cakes: Remove the cake pans from the oven and allow the cakes to cool completely in the pans on wire racks. This step ensures the filling won’t melt when applied.
- Mix the pineapple filling: In a large mixing bowl, combine the undrained crushed pineapple with the instant vanilla pudding mix. Stir well to distribute the pudding evenly throughout the pineapple.
- Add sour cream and whipped topping: Stir in the sour cream, then gently fold in the thawed whipped topping until the filling is smooth and well combined.
- Add optional mix-ins: If desired, fold in the shredded coconut and chopped pecans or walnuts to add texture and flavor.
- Assemble the cake: Place one cooled cake layer on a serving plate. Spread half of the pineapple filling evenly over this layer. Then, top with the second cake layer and cover the entire top and sides of the cake with the remaining filling.
- Garnish and chill: Garnish the top with maraschino cherries, extra pineapple tidbits, or additional coconut if desired. Refrigerate the assembled cake for at least 2 hours before serving to allow the flavors to meld and the filling to set.
Notes
- This cake is best made a day ahead to enhance flavor development and improve texture.
- For a simpler presentation, the cake can be baked in a 9×13-inch pan instead of two round pans.
- For a less sweet version, substitute unsweetened crushed pineapple and reduce or omit optional toppings like shredded coconut and nuts.

