Sugar Free Banana Pudding

Annie Lampella @ Ketofocus

By Annie Lampella, Pharm.D.

Published October 3, 2023 • Updated October 7, 2023

This post may contain affiliate links. See my disclosure policy.

A simple sugar-free banana pudding recipe that uses only 4 ingredients, requires minimal effort and captures the essence of banana without using actual bananas. Each bite will have you wondering how is this possible?

What is this voodoo?! A banana pudding recipe that doesn’t use bananas?? Well…the only way you can truly make a sugar-free banana pudding is to omit the banana. A spoon holding a bite of whipped cream and banana pudding above a trifle dessert. Bananas are not sugar-free. They are actually quite high in sugar. One medium banana has 14 grams of sugar and 27 grams of carbohydrates according to the USDA. How do we make banana pudding without using bananas but still manage to capture their true flavor? It’s easier than you think. It’s a trick I used when I developed my low-carb banana bread and keto banana cream pie recipe. Using only 4 primary ingredientsegg yolks, allulose sweetener, heavy whipping cream and banana flavor extract, you can create a thick, luscious banana flavored pudding. Layer with keto-friendly vanilla wafers, sugar-free whipped cream and you have a guilt-free treat that tastes of rich banana.  Looking for sugar-free pudding recipes that don’t use eggs? Try making chia pudding, avocado pudding or for a pudding with more protein, add protein powder. Ingredients to make banana pudding grouped together -eggs, cream, sweetener, wafers and flavoring.

How to make sugar free banana pudding

Through  my various tests of developing this recipe, I found the simplest way to get a thick, creamy pudding is as follows:
  1. Prepare the pudding mixture:
    • Whisk the sugar-free sweetener and egg yolks until smooth.
    • Temper the egg mixture by slowly pouring in half warmed cream. This will allow the eggs to come to a warmed temperature without curdling. Then pour in remaining heated cream. If it curdles, don’t worry. I go over what to do in the FAQ section below. 
    • Heat the pudding mixture over low heat until it thickens enough to coat the back of a spoon.
    • Add in banana flavoring.
  2. Chill:
    • Transfer the pudding into your desired serving dish or dishes.
    • Cover with plastic wrap and refrigerate for at least 2 hours or until set.
  3. Serve:
    • To make a Southern-style banana pudding, layer the pudding in serving glasses with sugar-free vanilla wafers and sugar-free whipped cream.
    • Garnish with additional wafers or a dollop of whipped cream on top.
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Sugar Free Banana Pudding

5 (1) Prep 125m Cook 10m Total 135m 6 servings

Keto Banana Pudding Ingredients

Sugar Free Whipped Cream Ingredients

Step by Step Instructions

Step by Step Instructions

1
Sweeten your yolks

In a large mixing bowl, whisk together the allulose and egg yolks until smooth.

Egg yolks in a glass bowl with a whisk in the center.
Tip See below on using a different sugar-free sweetener.
Ingredients for this step
  • 1/2 cup powdered allulose
  • 5 egg yolks
2
Warm the cream

Add the heavy cream to a medium saucepan and bring to a simmer on medium-low heat. Once it starts to bubble, remove from the heat and let cool slightly. You want the cream to be warm but not hot for the next step.

A sauce pan with cream sits next to eggs and a towel.
Tip See FAQ section for suggestions on making a dairy-free or lower calorie version.
Ingredients for this step
  • 2 cups heavy whipping cream
3
Temper the eggs

Slowly pour half of the warmed cream into the egg mixture while whisking simultaneously. Add the remaining cream and whisk until combined.

Pouring heavy cream into a bowl of egg yolks with a whisk inside the bowl.
Tip Slowly bring the egg mixture to the temperature of the cream will keep the eggs from curdling.
4
Thicken it real good

Transfer the pudding mixture back into the saucepan. Heat on low heat while stirring constantly, until the mixture has thickened enough to coat the back of a spoon (about 5 minutes). Heating the mixture any longer or over higher heat may cause the pudding to curdle.

A thick banana pudding in a sauce pan with a whisk inside.
Tip If your pudding curdles, see suggestions in the FAQ sections on how to remedy it.
5
Make it banana flavored

Remove from the heat, stir in the banana extract and pour the pudding into a large bowl. Cover with plastic wrap and press the plastic wrap down on top of the pudding to prevent condensation from forming and dripping into the pudding. Refrigerate for at least 2 hours or until set.

Thickened pudding in a glass bowl next to egg shells and a towel.
Tip Okay to leave overnight in the refrigerator.
Ingredients for this step
  • 2 teaspoons banana flavoring
6
Whip up some whipped cream

In a medium bowl, beat heavy cream using an electric mixer until soft peaks form. Add allulose sweetener and vanilla extract or banana flavoring. Continue beating until stiff peaks form. Remove the pudding from the refrigerator and whisk until smooth and creamy. Spoon a small layer of pudding in a small cup or jar. Layer 4-5 vanilla wafers on top. Pipe or spoon a layer of whipped cream. Repeat the layers until you reach the top. Garnish with crushed vanilla wafers and a dollop of whipped cream.

Finished banana pudding trifles with one stacked on three plates and a bowl of vanilla wafers in front.
Tip Banana slices in photos are for garnish...keto police.
Ingredients for this step
  • 1 cup heavy whipping cream
  • 3 tablespoons powdered allulose sweetener
  • 1 teaspoon vanilla extract or banana flavoring
Nutrition Per Serving pudding only
365 Calories
36.2g Fat
3.7g Protein
1.7g Net Carbs
13.7g Total Carbs
6 Servings
Nutrition disclaimer

The nutrition information provided is an estimate and is for informational purposes only. I am a Doctor of Pharmacy (Pharm.D.); however, this content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always consult your physician or other qualified health provider before making any lifestyle changes or beginning a new nutrition program.

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A close up of a layered banana pudding with different levels of yellow pudding, whipped cream and cookies.

Wouldn't boxed sugar free pudding be easier

Maybe slightly easier because you don’t have to bother heating the mixture and boxed pudding mix uses less ingredients. However, to make your own banana pudding doesn’t involve that much more time. 10 minutes – tops!  With boxed pudding mix, you still need to chill the mixture, unless you are using instant pudding. Another benefit of making homemade pudding is you are using whole real ingredients (except for the banana flavoring). Boxed sugar-free banana pudding mix can use sweeteners like maltodextrin, Aspartame and Acesulfame Potassium. As a pharmacist, I’m aware of the recent studies showing a possible negative affect to the gut microbiome, insulin and blood sugar levels. 

Preferred sugar-free sweetener

When it comes to making pudding, the preferred sugar-free sweetener is allulose for two reasons.
  1. Allulose dissolves readily without having to be heated first, especially if you get the powdered form. If you don’t have powdered allulose, just add the granulated form to a blender or food processer and pulse until a powdery consistency forms.
  2. Allulose doesn’t crystalize when heated and cooled like other sugar substitutes can (ie erythritol).
If you can’t easily get a hold of allulose, you can absolutely substitute for another sugar-free sweetener that measures cup for cup with sugar like a erythritol-monkfruit blend; however, you may need to add a little bit more to achieve the same sweetness level since allulose is about 70% as sweet as table sugar.

How to use keto banana pudding

Banana pudding can be enjoyed on it’s own or use it to make one of these:
  • Banana pudding trifle – Add layers of low-carb banana pudding, sugar free cookies and whipped cream to form a classic Southern treat.
  • Banana cream pie – Use this recipe to make a sugar free banana filling for a favorite cream pie.
Need to use up those egg whites??  Try making keto meringues or egg wraps for a lunch wrap.
A single southern style banana pudding with a spoon holding a bite over the top of the dish. Bananas are in the background.

Storage information

Leftover banana pudding can be stored in an airtight container in the refrigerator for up to 7 days. If you plan to make the layered banana trifle, these are best served the same day but can be made one day in advance. The wafers do get mushy the longer they sit in the pudding and whipped cream.
Sugar Free Banana Pudding

Frequently Asked Questions

How can I tell if my pudding mixture is curdling?

Sometimes you can't tell your pudding has curdled until it's too late. If you forget to temper the eggs and add in all of the hot cream right away, you will get large clumps of scrambled egg in your mixture. However, the clumps can be very small and granular if you heat the pudding too long or too high over the low heat. You might not notice until you go to remove the mixture from the heat.

Help! My eggs curdled. How can I salvage my pudding?

Good news is that you don’t have to start over if you pudding curdles. For minor curdling, just use an immersion blender also called a stick blender to break up those little clumps and return the pudding back to a smooth texture. This is the best technique to use if your pudding is already thickened. You could also press the clumping pudding mixture through a fine mesh strainer to remove the clumps but this method should be used before heating the final pudding mixture to thicken it.

Can I make this pudding dairy free?

For a dairy free version or if you are trying to limit your calories or fat intake, you could substitute the heavy cream with half canned coconut milk and half almond milk.

Are bananas keto?

No, bananas aren't keto friendly. One banana has 27 grams of carbohydrates and more than half of that is sugar. One banana will definitely push you over your daily carb limit of 20 grams per day if you wish to maintain ketosis.

About the Author
Annie Lampella, Pharm.D.

Annie Lampella, Pharm.D.

Annie is a Doctor of Pharmacy, mom, and the recipe creator behind KetoFocus. With a B.S. in Genetics from UC Davis, she has over 14 years of experience developing family-friendly keto recipes based on the science of human metabolism.

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Reviews 5
5 Stars (1 Reviews)
  1. T
    Tamara May 20, 2025

    I’ve been doing keto for about 6 months now and really missed banana pudding — this totally hit the spot! The banana extract is surprisingly convincing, and the texture was so creamy. I didn't have the keto wafers, but it was still delicious without them.

  2. L
    Liam Feb 26, 2025

    I was skeptical at first but this pudding really does taste like bananas. The texture was nice and smooth after cooling. I skipped the wafers and it was still satisfying.

  3. S
    Steven Jan 31, 2024

    Why don't your directions say to use a double boiler instead of playing with temperatures?

    1. Annie Lampella
      Annie Feb 4, 2024

      Because there are many methods that you can use to gently heat up eggs so they don't curdle and setting up a double boiler is just extra steps. You can do that if you want, but gently tempering the eggs with the warmed cream works just as well.

    2. M
      Mary OHara Feb 29, 2024

      Picky much?

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