Steel-Cut Oats (Creamy, Hearty & Customizable) | Elizabeth Rider

If you’ve ever had a bowl of creamy, perfectly cooked steel-cut oats, you know how satisfying they can be. They’re warm, nutty, and endlessly customizable—a healthy breakfast that actually keeps you full all morning.

Cooking steel-cut oats takes a little longer than rolled oats, but the texture and flavor are worth it. You can make a batch on the stovetop, in the microwave, or even reheat leftovers for a quick weekday breakfast.

Toasting the oats before cooking adds a deep, nutty flavor, but it’s completely optional if you’re short on time.

The key to these oats is the you want a 4:1 ratio of liquid to oats for steel-cut oats. I use 3 cups water with 1 cup milk, but you can use any combination to get 4 cups total liquid.

Why Steel-Cut Oats Are So Good for You

Steel-cut oats are one of the most nutrient-dense whole grains you can eat. Because they’re less processed than rolled oats, they digest more slowly, giving you long-lasting energy and keeping you full for hours.

Nutrition Highlights (per 1 cup cooked)

• Calories: ~190
• Protein: 5 g
• Carbohydrates: 30 g
• Fiber: 4 g
• Fat: 4 g
• Key nutrients: Iron, magnesium, and B vitamins

Steel-cut oats are also a great source of soluble fiber (beta-glucan), which supports healthy cholesterol levels and gut health.

What You’ll Need To Make Steel-Cut Oats

• Water: You will need about 3 cups or water.
• Milk: Any milk variation will work in this recipe. If you need dairy-free, feel free to use almond, oat or any plant based milk you like.
• Coconut Oil or Butter: You can use any butter or oil of choice. This is great to toast the oats and adds a touch of creamy texture.
• Oats: You will need steel cut oats (use certified gluten-free if needed).
• Salt
• Mix-Ins of Choice: I love using nuts or fresh berries for a firmer texture, but frozen fruit would work well in a pinch if out of season. See all my favorite oat variations below.

(See printable recipe card for full ingredient amounts)

How to Make Steel Cut Oats

1. In a medium saucepan, combine the water and milk. Bring to a gentle simmer over medium heat.
2. (Optional: Toast the oats) In a separate skillet, melt the coconut oil or butter over medium heat. Add the oats and cook, stirring occasionally, until golden and fragrant, about 2 minutes. This toasting step enhances flavor but isn’t required.
3. Cook: Stir the oats (toasted or untoasted) into the simmering liquid. Reduce heat to medium-low and cook, stirring occasionally, until very thick—about 20 minutes.
4. Stir in the salt: Continue simmering, stirring occasionally, until most of the liquid is absorbed and the oats are creamy, about 10 more minutes. Adjust heat as needed to prevent scorching.
5. Remove from heat and stir in any desired mix-ins. Let the oats rest for 5 minutes to thicken and cool slightly.
6. Portion into bowls and add toppings before serving. Let leftovers cool completely before covering and refrigerating for up to 5 days.

How to Add More Protein & Fiber

If you want your steel-cut oats to keep you full even longer—or you’re tracking macros—try these easy upgrades:

To boost protein:

• Stir in 1 scoop of collagen or unflavored protein powder after cooking.
• Mix in ¼ cup Greek yogurt or ½ cup cottage cheese for creaminess and extra protein.
• Top with nut butter, hemp seeds, or a sprinkle of chopped nuts.

To boost fiber:

• Add 1 tablespoon chia seeds or ground flaxseed while cooking.
• Top with berries or pear slices for extra fiber and antioxidants.
• Stir in a spoonful of pumpkin puree or shredded apple for natural sweetness and volume.

These small additions turn a simple bowl of oats into a balanced, high-fiber, high-protein breakfast that will keep you full for hours.

Flavor Combinations

Steel-cut oats are endlessly customizable! Here are our 3 favorite flavor combinations to top warm oats:

1. Peanut Butter Banana with Chia: Stir 1 tablespoon peanut butter and 1 teaspoon chia seeds into warm oats. Top with banana slices and an extra drizzle of peanut butter or honey.
2. Blueberry Walnut with Maple: Add ½ cup fresh or frozen blueberries while cooking, then top with chopped walnuts and a drizzle of pure maple syrup. The blueberries burst and naturally sweeten the oats.
3. Apple Cinnamon Almond: Stir in 1/2 cup diced or grated apple, a pinch of cinnamon, and a splash of vanilla extract while cooking. Top with sliced almonds, a spoonful of almond butter, and a drizzle of honey. 

Storage & Reheating Tips

Steel-cut oats store beautifully, making them perfect for meal prep.

• To store: Let cooked oats cool completely, then transfer to an airtight container and refrigerate for up to 5 days.
• To reheat: Add a splash of water or milk to loosen the texture, then warm on the stovetop over medium heat or in the microwave. Stir occasionally until creamy again.
• To freeze: Spoon cooked oats into single-serving containers or silicone muffin cups, freeze until solid, then store in a freezer bag for up to 3 months. Reheat with a bit of milk or water.

Steel-Cut Oats Tips

• Dairy-Free/Vegan: Use coconut oil or vegan butter and non-dairy milk (or water).
• Gluten-Free: Choose certified gluten-free oats and mix-ins.
• Nut-Free: Use nut-free milk and skip the nuts.
• No added fat: You can omit the oil or butter entirely if preferred, but a little adds creaminess and richness.
• Overnight Oats Option: You can use an overnight method with steel-cut oats, but they’ll stay quite chewy. For the best texture, use whole rolled oats instead—see my Overnight Oats recipe for details.

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