Tropical Pina Colada Steel Cut Oats: Easy Instant Pot & Stovetop Meal Prep Breakfast
Start your day with a taste of the tropics! These Pina Colada Instant Pot Steel Cut Oats are not just a delicious and healthy breakfast, but also an incredibly convenient meal prep solution. Infused with the delightful flavors of pineapple and coconut, this recipe brings a vacation vibe right to your breakfast bowl. Whether you’re a fan of the Instant Pot for its hands-off ease or prefer the traditional stovetop method, we’ve got you covered. Get ready for a wholesome, satisfying, and utterly delicious morning treat that will keep you energized and happy!

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There’s nothing quite like starting your day with a satisfying and flavorful breakfast, especially when it’s packed with nutrients and super easy to prepare. These Pina Colada Instant Pot Steel Cut Oats are exactly that – a dream come true for anyone looking for a healthy, tropical-inspired breakfast that can be prepped in advance. Whether you’re rushing out the door or enjoying a relaxed morning, this recipe offers the ultimate convenience and a taste of paradise. Steel cut oats are known for their hearty texture and sustained energy release, making them an excellent choice for a nutritious start. Combined with the creamy sweetness of coconut and the vibrant tang of pineapple, this dish is a delicious escape.

Essential Ingredients and Smart Substitutions for Your Tropical Oats
Crafting the perfect Pina Colada Steel Cut Oats means selecting the right components to achieve that signature tropical flavor and creamy texture. Here’s a breakdown of the key ingredients and some flexible substitutions to suit your pantry and preferences:
- Coconut Oil – This ingredient is a secret weapon for amplifying that distinct coconut flavor, giving your oats a rich, aromatic foundation reminiscent of a true pina colada. If you don’t have coconut oil on hand, don’t worry! You can easily omit it and still achieve a delicious result by relying on the coconut milk for creaminess and flavor.
- Coconut Milk – For this recipe, I typically use Silk coconut milk, but any carton-based sweetened or unsweetened coconut milk will work wonderfully. The carton varieties are usually lighter in consistency than canned coconut milk, which is often thicker and intended for curries or desserts. Choose sweetened if you prefer a sweeter oatmeal, or unsweetened if you want to control the sugar content yourself.
- Steel Cut Oats – The star of the show! Steel cut oats provide a wonderfully chewy texture and a nutty flavor that holds up well during cooking. If steel cut oats aren’t available, or if you prefer a quicker cooking time and softer texture, you can substitute with rolled oats (also known as old-fashioned oats). Note that cooking times and liquid ratios might vary slightly if using rolled oats, so keep an eye on consistency.
- Pineapple – Essential for that tropical tang! Both frozen and fresh pineapple chunks are excellent choices. If using frozen, there’s no need to thaw beforehand; simply add them as is. Fresh pineapple will offer a brighter, more intense flavor.
- Shredded Coconut – This adds texture and an additional layer of coconut flavor. You can opt for either sweetened or unsweetened shredded coconut based on your desired sweetness level. Toasted shredded coconut can also add a delightful crunch and enhanced flavor.
- Raspberries or Cherries – While optional, these fruits add a beautiful splash of color and a contrasting tartness that complements the sweet and creamy pineapple and coconut. Feel free to experiment with other tropical or berry fruits like sliced strawberries, juicy mango cubes, or even blueberries for a different twist.
Step-by-Step: How to Make Steel Cut Oats in the Instant Pot (or Stovetop!)
Making delicious steel cut oats doesn’t have to be a complicated affair. With the Instant Pot, it’s virtually hands-off, guaranteeing perfect results every time. And for those without a pressure cooker, the stovetop method is just as effective, albeit requiring a bit more attention. Let’s dive into the simple steps to create your tropical morning masterpiece.

Step 1: Combine All Ingredients in the Pot.
For the **Instant Pot Method**: Begin by adding the melted coconut oil, coconut milk, water, and steel cut oats directly into the Instant Pot’s inner pot. It’s crucial to add them in this order, with the liquids first, to help prevent any “burn” notices. Ensure the ingredients are well distributed but avoid stirring too vigorously at this stage.
For the **Stovetop Method**: In a medium-sized pot, combine the coconut oil (no need to melt it beforehand for this method, as it will melt with the heat), coconut milk, water, and steel cut oats. Stir everything gently to combine.
Step 2: Cook Your Oats to Perfection.
For the **Instant Pot Method**: Secure the lid on your Instant Pot and ensure the steam release valve is set to the “Sealing” position. Select the “Pressure Cook” or “Manual” setting and set the cooking time to 3 minutes on high pressure. Once the cooking cycle is complete, allow the pressure to release naturally. This is a critical step for achieving wonderfully creamy oats and will take approximately 20-25 minutes. You’ll know it’s ready when the pressure valve drops and the lid can be easily opened.
For the **Stovetop Method**: Place the pot over medium-high heat and bring the mixture to a gentle boil, stirring occasionally to prevent sticking. Once boiling, reduce the heat to low, cover the pot, and simmer for 15-20 minutes, or until the oats are tender and the liquid has been absorbed, creating a thick, creamy consistency. Stir occasionally to ensure even cooking and prevent the oats from sticking to the bottom.

Step 3: Stir in the Tropical Flavors.
Once your oats are perfectly cooked and the Instant Pot has naturally depressurized (or your stovetop oats have absorbed their liquid), carefully remove the lid. Now it’s time to infuse that signature pina colada taste! Gently stir in the diced pineapple and shredded coconut. The residual heat from the oats will warm the pineapple and integrate the coconut flavor beautifully.
Step 4: Garnish, Serve, and Savor!
Divide your warm, fragrant Pina Colada steel cut oats among individual serving bowls. For an extra touch of freshness and vibrant color, garnish with optional toppings like fresh raspberries or cherries. A sprinkle of extra shredded coconut or a drizzle of maple syrup can also elevate the experience. Serve immediately and enjoy the delightful tropical escape in every spoonful!
Mastering Steel Cut Oats in the Instant Pot
While these steel cut oats can certainly be made on the stovetop, the Instant Pot truly shines as a foolproof and incredibly easy way to prepare this healthy breakfast. It offers a set-it-and-forget-it convenience that’s perfect for busy mornings. Here are some essential tips to ensure your Instant Pot steel cut oats turn out perfectly creamy every single time:
- Embrace the Natural Pressure Release: This is perhaps the most critical tip for achieving perfectly creamy (not gummy!) steel cut oats. After the cooking cycle finishes, resist the urge to do a quick pressure release. Instead, allow the Instant Pot to release pressure naturally. This slow release allows the oats to continue absorbing liquid and steam, resulting in a much creamier, more tender texture. Expect this process to take around 20-25 minutes. You’ll know it’s complete when the float valve drops.
- Skip the Soaking Step: One of the biggest advantages of using the Instant Pot for steel cut oats is that you can completely bypass the pre-soaking step that some stovetop recipes recommend. Just add your dry steel cut oats directly into the pot with the liquids (coconut oil, coconut milk, and water). The pressure cooker environment will ensure they become wonderfully tender without any prior preparation.
- Explore Endless Variations: While this recipe focuses on the delicious pina colada flavor, the Instant Pot provides a versatile base for countless steel cut oat variations. Once you’ve mastered the basic cooking method, feel free to get creative! Some popular ideas include mixed berry, chocolate, apple cinnamon, and pumpkin spice oats. You can also customize your toppings with a wide array of options like fresh fruit, various nuts (almonds, walnuts), seeds (chia, flax, hemp), a drizzle of honey or maple syrup, or a dollop of yogurt.
- Prevent the Dreaded Burn Notice: To avoid the “Burn” error message on your Instant Pot, always ensure two things: First, double-check that the steam release valve is set firmly to the “Sealing” position before you start cooking. Second, and equally important, use the correct liquid-to-oat ratio. For this recipe, we use 1 cup of steel cut oats with a total of 3 cups of liquid (1 cup water, 2 cups coconut milk). This sufficient moisture is key to preventing the oats from sticking to the bottom and burning during the high-pressure cooking cycle.

Frequently Asked Questions About Steel Cut Oats
For this specific Instant Pot steel cut oats recipe, achieving the perfect creamy, yet firm, texture requires a careful liquid-to-oat ratio. We recommend using 1 cup of steel cut oats combined with a total of 3 cups of liquid. This is typically made up of 1 cup of water and 2 cups of coconut milk, which imparts a lovely flavor and richness. This ratio ensures that the oats cook thoroughly without becoming overly mushy or too dry, especially when cooked under pressure.
The need to soak steel cut oats depends on your cooking method. If you’re preparing them on the stovetop, pre-soaking can be beneficial, though not strictly necessary. Soaking for a few hours or overnight can help reduce the overall cooking time and contribute to a more tender oat. However, when using an Instant Pot, soaking is completely unnecessary. The pressure cooker’s environment effectively softens the oats, allowing them to become perfectly tender and creamy without any prior preparation, saving you valuable time and effort.
The “Burn” notice on an Instant Pot can be frustrating, but it’s often preventable with a few simple checks. First, always ensure that the steam release valve is properly moved to the “Sealing” position before you begin cooking. An open valve will lead to steam escaping and the liquid reducing too quickly. Second, verify you’re using the correct amount of liquid. For our recipe, this means a total of 3 cups of liquid (1 cup water and 2 cups coconut milk) for every 1 cup of steel cut oats. Insufficient liquid will cause ingredients to stick to the bottom and trigger the burn sensor. Lastly, avoid stirring heavily after adding the oats to the liquids, especially if you’re layering. This helps prevent oats from settling at the bottom and scorching.
Both steel cut oats and rolled oats are incredibly healthy breakfast options, offering fiber and sustained energy, especially when paired with minimal sweeteners and nutritious toppings. The primary differences lie in how they are processed and their resulting texture and nutritional profile. Steel cut oats are whole oat groats that have been cut into two or three smaller pieces with a steel blade, hence their name. This minimal processing leaves them with a chewier texture and a distinct nutty flavor. Rolled oats, on the other hand, are oat groats that have been steamed and then flattened into flakes. This process makes them quicker to cook, milder in flavor, and softer in texture. Because steel cut oats are less processed, they tend to have a slightly higher fiber content and a lower glycemic index, meaning they release energy more slowly and cause a less dramatic spike in blood sugar, offering longer-lasting satiety.
Absolutely! While coconut milk is central to the “Pina Colada” flavor and provides a wonderful creaminess, you can certainly adapt this recipe to your preferences or dietary needs. If you don’t want to use coconut milk, you can easily substitute it with another dairy-free milk of your choice, such as almond milk, soy milk, or oat milk. Alternatively, you can use an equal amount of water for a lighter version, though you might notice a slight difference in creaminess and tropical flavor. Feel free to adjust the flavor profile with additional spices or extracts if you opt for a non-coconut liquid base.

This Pina Colada Steel Cut Oats recipe isn’t just a delicious breakfast; it’s a fantastic ally for efficient meal prepping. Imagine waking up to a ready-made, healthy, and flavorful breakfast waiting for you in the fridge! The combination of the Instant Pot’s ease and the oats’ excellent shelf life makes this a perfect candidate for weekly meal planning.
Storing and Reheating Your Tropical Oats
One of the best features of Instant Pot steel cut oats is their meal prep potential. After preparing a large batch, you can effortlessly store individual servings in the fridge for up to 5 days, making your weekday mornings significantly smoother. To store, simply let the cooked oatmeal cool down completely to room temperature. Then, transfer it into individual airtight glass containers or mason jars. Portioning into single servings beforehand makes it incredibly easy to grab and go on busy mornings, saving you precious time.
When you’re ready to enjoy your prepped oats, you have a couple of options. You can eat them cold directly from the fridge for a refreshing treat, which is especially delightful in warmer weather. If you prefer warm oatmeal, transfer a serving to a microwave-safe bowl and heat for 1-2 minutes, stirring halfway through. A pro tip for reheating: steel cut oats tend to thicken considerably in the fridge. To restore their creamy consistency and prevent them from drying out in the microwave, add a splash of extra liquid (water, milk, or coconut milk) before reheating. This will bring them back to that perfect, luscious texture you crave.
Freezing This Recipe for Longer Freshness
Yes, this steel cut oats Instant Pot recipe is absolutely freezer-friendly, making it an excellent option for long-term meal prep! You can store individual serving sizes in the freezer for up to 3 months, ensuring you always have a healthy, delicious breakfast on hand. To freeze, allow the cooked and cooled oatmeal to set in airtight freezer-safe containers or even silicone muffin molds for perfectly portioned pucks (transfer to a freezer bag once frozen solid). When you’re ready to enjoy, simply move your desired portion of frozen oats to the fridge the night before to thaw. Once thawed, you can reheat them in the microwave with a splash of extra liquid, just as you would with refrigerated oats, for a warm and comforting meal.

More Delicious Oat Recipes to Explore
If you’re loving the versatility and nutritional benefits of oats, you’re in luck! There’s a whole world of oat-based recipes beyond just basic oatmeal. Whether you’re seeking more meal prep ideas, healthy desserts, or innovative breakfast options, these recipes will inspire your culinary journey with oats. Dive into these fantastic creations to keep your mornings exciting and nutritious!
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Overnight Steel Cut Oats: Effortless Morning Meal Prep
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Baked Oatmeal Cups {5 Ways}: Perfect Grab-and-Go Breakfasts
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Decadent Chocolate Avocado Overnight Oats Jars
Recommended Meal Prep Tools
To make your Pina Colada Instant Pot Steel Cut Oats meal prep experience as smooth and enjoyable as possible, having the right tools can make all the difference. Here are some of my go-to items that simplify the process:
- The Instant Pot DUO Plus 60 is the exact model I rely on for consistently perfect steel cut oats in this recipe.
- For convenient storage of individual servings, these glass meal prep bowls are fantastic for both fridge and freezer storage.
- Alternatively, store your delicious oatmeal in the fridge or freezer using classic mason jars, which are also excellent for portion control.
- If you’re looking to stock up on high-quality oats, these steel cut oats are highly recommended for their texture and taste.
- For the shredded coconut component, this is the type of coconut I prefer to use in my recipes.
- **Get my full list of essential meal prep tools here** for more tips and recommendations!

Pina Colada Instant Pot Steel Cut Oats {+ Stovetop Instructions}
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Ingredients
- 1 tbsp coconut oil melted (for enhanced coconut flavor)
- 2 cups coconut milk (from a carton, sweetened or unsweetened)
- 1 cup water
- 1 cup steel cut oats (do not substitute with quick oats)
- 1 1/2 cups fresh or frozen pineapple, diced
- 3/4 cup shredded coconut (sweetened or unsweetened, to taste)
- Raspberries or cherries (optional, for topping)
Instructions
Instant Pot instructions
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Pour the melted coconut oil (if using), coconut milk, water, and steel cut oats into the Instant Pot’s inner pot, in that specific order. This layering helps prevent a “Burn” notice. Secure the lid and set the steam release valve to the “Sealing” position. Cook on high pressure for 3 minutes.
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Once the cooking cycle is complete, allow the pressure to release naturally. This typically takes about 20-25 minutes. Do not attempt to open the lid until the pressure valve has dropped completely, indicating all pressure has been released.
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Carefully remove the lid and stir in the shredded coconut and diced pineapple until well combined. The residual heat will warm the fruit.
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Divide the creamy pina colada oats among 4 meal prep bowls. Garnish with fresh raspberries or cherries (optional) for a pop of color and extra flavor. Serve immediately or prepare for meal prep!
Stovetop instructions
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In a medium-sized pot, combine the coconut oil (no need to melt first), coconut milk, water, and steel cut oats. Place the pot over medium-high heat and bring the mixture to a rolling boil, stirring occasionally.
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Once boiling, reduce the heat to low, cover the pot tightly, and let it simmer for 15-20 minutes, or until the oats are tender, chewy, and most of the liquid has been absorbed, creating a thickened, creamy oatmeal. Stir occasionally to prevent sticking.
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Remove the pot from the heat and stir in the shredded coconut and diced pineapple.
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Divide the oats into 4 meal prep bowls and optionally garnish with raspberries or cherries. Serve immediately or store for later enjoyment!
Video
Notes
Unlock a world of flavors by trying different variations of these Instant Pot steel cut oats, from savory to sweet!
To prevent the Instant Pot burn notice, always ensure the valve is sealed and the correct liquid-to-oat ratio is maintained (3 cups liquid to 1 cup oats).
Enhance your oatmeal with your favorite toppings like extra shredded coconut, fresh berries, sliced mango, a drizzle of honey, or a sprinkle of chopped nuts.
Store your cooked oatmeal in airtight containers in the fridge for up to 5 days. Enjoy it cold, or for a warm serving, add a splash of extra liquid and microwave for 1-2 minutes.
This recipe is freezer-friendly! Portion and freeze for up to 3 months. Thaw overnight in the fridge before reheating as desired.
Nutrition

