
This is the dessert that proves you don’t have to choose between rich, decadent flavor and your low-carb lifestyle. The Keto Layered Dessert—known widely by its irresistibly cheeky name, Sex in a Pan—is the ultimate no-bake indulgence. It’s a powerhouse of textures: a crunchy, buttery pecan crust, a light cream cheese layer, a thick blanket of chocolate pudding, and a mountain of whipped cream topping.
What makes this specific sugar-free recipe a must-have for your blog is its incredible texture and ease. By carefully swapping high-carb ingredients for quality keto substitutes (almond flour, monk fruit, and sugar-free pudding mix), we create a dessert that is shockingly low in net carbs but full of the comforting flavor everyone craves. Since it is entirely no-bake, it’s the perfect make-ahead treat for any holiday, gathering, or simple weeknight indulgence. The chilling time is crucial, making this a stress-free dessert that’s ready when you are.
Get ready for rave reviews! This keto no-bake layered dessert will quickly become one of your most popular recipes.
Why This Keto Version is a Low-Carb Sensation
The success of this layered dessert, even in its keto form, is all about the precise ratio and contrast of the four distinct layers.
- Keto-Approved Crust: We swap out the traditional flour/graham cracker crust for a simple, crunchy blend of almond flour and pecans. This provides the necessary structure and flavor without the carbohydrates.
- Texture Contrast: The dessert moves from crunchy (crust) to dense and creamy (cream cheese layer) to smooth and rich (pudding) and finally to light and airy (whipped topping). This progression of textures is what makes every bite so addictive.
- No-Bake, No Stress: Requiring only assembly and chilling, this recipe is perfect for freeing up your oven during holiday baking or for quick summer parties.
- Superior Filling: We avoid overly sweet fillings by using a powdered sugar substitute in the cream cheese layer and the heavy cream in the pudding layer, which adds necessary fat and creates a richer mouthfeel essential for keto recipes.
- Ultimate Make-Ahead: This dessert requires a minimum 6-hour chill time to set the layers and soften the crust, making it an ideal candidate for preparing 1 to 2 days in advance.
Ingredients
Successful keto baking hinges on using the right substitutes. Please note the specific requirements for the sugar substitutes and dairy.
For the Keto Crust
- 1 cup almond flour (super-fine)
- ½ cup finely chopped pecans or walnuts
- ¼ cup powdered erythritol or monk fruit sweetener (powdered prevents graininess)
- ½ cup (1 stick) unsalted butter, melted
For the Cream Cheese Layer
- 1 (8 ounce) package full-fat cream cheese, softened to room temperature
- 1 cup heavy cream (or 1 cup sugar-free whipped topping)
- ½ cup powdered erythritol or monk fruit sweetener
- 1 teaspoon vanilla extract
For the Keto Chocolate Pudding Layer
- 2 (1 ounce) packages sugar-free chocolate pudding mix (instant, NOT cook-and-serve)
- 3 cups cold unsweetened almond milk (or coconut milk)
- ¼ cup unsweetened cocoa powder (optional, for richer color/flavor)
For the Topping
- 1 cup heavy cream, chilled
- 2 tablespoons powdered erythritol or monk fruit sweetener
- 1 teaspoon vanilla extract
- 2 tablespoons sugar-free chocolate shavings or crushed pecans, for garnish
Step-by-Step Instructions: Mastering the Layers
Follow these steps precisely to ensure your layers are clean, set properly, and the final result is perfectly creamy and delicious.
Part 1: The Crust (10 Minutes Prep)
- Prep Pan: Lightly grease a 9×13 inch baking dish.
- Mix Crust: In a medium bowl, combine the almond flour, chopped pecans, powdered sweetener, and melted butter. Mix until the mixture is evenly moistened, like wet sand.
- Press and Chill: Press the mixture firmly and evenly into the bottom of the prepared 9×13 inch dish. Use the bottom of a measuring cup or glass to compact the crust tightly. Place the dish in the freezer while preparing the next layer.
Part 2: The Cream Cheese Layer (10 Minutes Prep)
- Whip Cream (If not using pre-made): In a separate bowl, whip 1 cup of cold heavy cream with 1 tablespoon of powdered sweetener until stiff peaks form. Set aside.
- Make Filling: In a large bowl, use an electric mixer to beat the softened cream cheese, the remaining powdered sweetener, and vanilla extract until completely smooth and creamy (no lumps!).
- Fold and Spread: Gently fold the whipped cream (or sugar-free whipped topping) into the cream cheese mixture using a rubber spatula. Spread this layer carefully and evenly over the chilled crust. Return the dish to the refrigerator.
Part 3: The Pudding Layer (5 Minutes Prep)
- Whisk Pudding: In a separate medium bowl, whisk together the two packages of sugar-free instant chocolate pudding mix, the 3 cups of ice-cold almond milk, and the optional cocoa powder for 2–3 minutes until the mixture begins to thicken.
- Pour Carefully: Pour the thickened chocolate pudding evenly over the cream cheese layer.
- Set: Use a spatula to gently smooth the top. Refrigerate for at least 1 hour to allow the pudding layer to fully set before adding the final topping.
Part 4: The Topping and Finish (5 Minutes Prep)
- Whip Topping: In a clean, cold bowl, whip the final 1 cup of heavy cream with 2 tablespoons of powdered sweetener and vanilla until firm peaks form.
- Spread and Garnish: Gently spread the whipped cream over the set pudding layer. Garnish with sugar-free chocolate shavings or chopped pecans.
- Final Chill (CRUCIAL): Cover the dish loosely and return it to the refrigerator for a minimum of 5 hours, or preferably overnight. This final rest allows the layers to fully meld and the crust to soften slightly for the perfect texture.
Pro Tips for Keto Success (No Grainy Sauce!)

Achieving the perfect texture with keto ingredients requires special attention, especially when dealing with cream cheese and sugar substitutes.
- Use Powdered Sweetener: This is the most important tip. Always use powdered/confectioners style erythritol or monk fruit for the cream cheese and whipped cream layers. Granulated sweeteners will not dissolve in the fat/cream and will result in a gritty, grainy texture.
- The Cream Cheese Temperature: Ensure your cream cheese is completely room temperature and soft before beating. If it’s cold, you will end up with stubborn lumps that ruin the smoothness of the final layer.
- Whip the Pudding Cold: For the sugar-free instant pudding to set properly, the almond milk must be ice-cold. If the milk is warm or room temperature, the pudding will fail to set and remain liquid, causing a messy dessert.
- The Thickening Agent (Xanthan Gum): If you are extremely concerned about the pudding layer setting (as some sugar-free mixes can be temperamental), add a tiny ¼ teaspoon of xanthan gum to the dry pudding mix and whisk thoroughly before adding the cold milk. This acts as a powerful low-carb thickener.
- Store-Bought vs. Homemade Topping: For convenience, use sugar-free whipped topping (like Truwhip Keto). However, for the best flavor and texture, nothing beats freshly whipped heavy cream with powdered sweetener!
Keto Flavor Swaps and Serving Suggestions
This base recipe is a canvas for dozens of low-carb flavor profiles.
Flavor Variations (Keto-Friendly)
- Keto Mint Chocolate: Add ½ teaspoon of peppermint extract to both the cream cheese layer and the whipped topping. Garnish with green food coloring (low-carb friendly) in the whipped cream.
- Keto Peanut Butter: Stir 2 tablespoons of sugar-free powdered peanut butter (like PB2) and an extra tablespoon of powdered sweetener into the cream cheese layer. Garnish with chopped sugar-free peanut butter cups.
- Raspberry Swirl: After the pudding layer has chilled for 1 hour, gently swirl in 2 tablespoons of sugar-free raspberry jam or a reduction of fresh raspberries and a few drops of liquid stevia.
- Coffee Mocha: Use cold, strong brewed coffee (or water with 1 teaspoon of instant espresso powder) in place of the almond milk when making the chocolate pudding for a rich mocha flavor.
Serving & Presentation
- Serving Temperature: This dessert is best served straight from the refrigerator, chilled.
- Clean Slices: For perfectly clean, defined slices, dip a sharp knife in a tall glass of hot water and wipe it dry before making each cut.
- Garnish: Always garnish right before serving with fresh pecans, a dusting of cocoa powder, or a few keto-friendly raspberries (in moderation).
Frequently Asked Questions (FAQ)
- Why did my pudding layer turn out runny? The most common reason for a runny pudding layer is using milk that was not cold enough, or using the wrong type of milk (skim milk can be too watery). Ensure your almond milk is straight from the fridge and ice-cold. If using canned coconut milk, ensure it is fully blended before measuring.
- Is this dessert freezer friendly? Yes, this dessert freezes remarkably well!
- Freeze: Cover the finished dessert tightly with plastic wrap and foil and freeze for up to 1 month.
- Thaw: Transfer the frozen dish to the refrigerator and allow it to thaw slowly overnight (8–12 hours). Note that the texture of the cream cheese layer may be slightly softer after thawing.
- Can I skip the nuts in the crust? Yes. If you need a nut-free crust, substitute the almond flour and pecans with 1 ½ cups of shredded unsweetened coconut flakes. Process the coconut flakes into a coarse meal in a food processor before mixing with the butter and sweetener.
- Do I have to use the powdered sweetener? Can I use liquid stevia? It is highly discouraged to use liquid stevia as the only sweetener, as it can be difficult to measure and sometimes leaves a bitter aftertaste in large recipes like this. You need the bulk of the powdered erythritol/monk fruit blend to provide the correct volume and texture in the cream cheese layer.
- How do I store leftovers? Store leftovers tightly covered in the refrigerator for up to 4 days. Because the crust is moisture-sensitive, it’s best eaten within the first 3 days for the optimal texture.
This Keto Layered Dessert is a truly effortless way to bring a stunning, decadent, and low-carb treat to any table. Enjoy the compliments!
Don’t forget to Pin this no-bake, sugar-free recipe and share your favorite crust substitution in the comments below!

The Best Keto Layered Dessert (Sugar-Free Sex in a Pan)
Equipment
- mixing bowls
- hand mixer or whisk
- baking pan
- spatula
- oven
- refrigerator
Ingredients
- 1 cup almond flour
- 1/2 cup butter, melted
- 1/2 cup chopped pecans or walnuts (optional)
- 8 oz cream cheese, softened
- 1/2 cup powdered erythritol or preferred sweetener
- 1 cup heavy whipping cream
- 1/4 cup unsweetened cocoa powder
- 1/2 cup sugar-free chocolate chips (optional)
- 1 tsp pure vanilla extract
Instructions
- Preheat the oven to 350°F (175°C). Mix almond flour, melted butter, and chopped nuts until combined, then press into a baking pan.
- Bake the crust for about 12 minutes, until light brown around the edges. Cool completely or chill in the freezer for faster results.
- In a bowl, blend softened cream cheese with sweetener until smooth. Spread evenly over the cooled crust.
- Whip heavy cream with cocoa powder and additional sweetener until thick and fluffy. Spread over the cream cheese layer.
- Top with extra whipped cream, nuts, or chocolate chips if desired.
- Refrigerate for at least 3 hours or overnight before serving for best texture.