Creamed Chipped Beef on Toast Recipe

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If you grew up with military or diner-style comfort food, then creamed chipped beef on toast probably holds a nostalgic place in your heart. This creamy, savory classic is affectionately known as “S.O.S” in many households, and it’s the ultimate budget-friendly, belly-warming breakfast or lunch. It’s rich, it’s salty, it’s creamy—and when ladled generously over crisp toast, it becomes pure comfort in every bite.

What makes this dish timeless is its simplicity. A handful of pantry staples transforms dried beef and milk into a hearty, stick-to-your-ribs meal that’s ready in under 20 minutes. Whether you’re looking for a cozy weekend breakfast, a quick lunch, or a throwback to a simpler time, this recipe hits the mark. Let’s dive into this beloved diner classic that’s long on flavor and short on fuss.

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What Kind of Beef Should I Use for Creamed Chipped Beef?

Traditionally, this recipe calls for dried beef, which comes in thin slices and is typically sold in jars or vacuum-sealed packages. Dried beef is cured and salty, giving the cream sauce its signature punch. If you can’t find dried beef, you can substitute with chopped deli pastrami, corned beef, or even cooked bacon—but the flavor profile will vary. Just be sure to reduce the added salt if you’re using any of these saltier meats.

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Ingredients for the Creamed Chipped Beef on Toast

Dried Beef – This is the star of the show. Its intense, salty flavor perfectly seasons the white sauce without needing much additional seasoning.

Butter – Used to create the roux that thickens the sauce. It adds a subtle richness and depth.

All-Purpose Flour – This binds with the butter to create a roux, which thickens the milk into a creamy gravy.

Milk – Whole milk is best for a velvety sauce, but 2% will work if that’s what you have.

Black Pepper – A little goes a long way to add warmth and depth. Since the beef is salty, pepper balances it nicely.

Toast – Thick slices of hearty white, sourdough, or Texas toast are ideal. You want something sturdy enough to hold the creamy beef mixture without getting soggy.

Optional: Parsley or Paprika – For a garnish that adds just a touch of color and freshness.

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How To Make the Creamed Chipped Beef on Toast

Step 1: Prepare the Beef

Start by rinsing the dried beef under cold water to remove excess salt. Pat dry with a paper towel, then slice into bite-sized strips. This step helps balance the intense saltiness of the cured beef.

Step 2: Make the Roux

In a large skillet over medium heat, melt the butter until foamy. Sprinkle in the flour and whisk continuously for about 1 minute, creating a smooth paste. This is your roux, and it lays the foundation for a lump-free, silky sauce.

Step 3: Create the Cream Sauce

Gradually pour in the milk, whisking constantly to avoid lumps. Keep whisking until the sauce begins to thicken—this should take about 3–5 minutes. The consistency should coat the back of a spoon.

Step 4: Add the Beef

Stir in the chopped dried beef and reduce heat to low. Let it simmer gently for another 2–3 minutes so the flavors can meld. Add black pepper to taste—don’t go heavy on salt, as the beef brings plenty of seasoning.

Step 5: Toast the Bread

While your creamed beef is simmering, toast your bread slices to golden perfection. You want a crisp edge with a soft center to contrast the creamy sauce.

Step 6: Assemble and Serve

Spoon generous helpings of the warm creamed chipped beef over each slice of toast. For a finishing touch, sprinkle with a pinch of chopped parsley or a dash of paprika.

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How to Serve and Store Creamed Chipped Beef on Toast

Creamed chipped beef is best served immediately while the sauce is warm and velvety. Spoon it generously over hot, crispy toast—it’s especially delightful when served with a side of scrambled eggs or sliced tomatoes for breakfast, or a crisp salad if you’re enjoying it for lunch.

Want to level it up? Try it over a fluffy biscuit, English muffin, or even mashed potatoes for a Southern-inspired twist. It also works well spooned over rice or egg noodles for a quick dinner fix.

To store leftovers, let the creamed beef cool completely. Transfer it to an airtight container and refrigerate for up to 3 days. When reheating, add a splash of milk to loosen the sauce and warm it gently on the stove or in the microwave. Toast the bread fresh each time to maintain that satisfying crunch.

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Frequently Asked Questions

What is dried beef and where can I find it?

Dried beef is thinly sliced, salt-cured beef that’s usually sold in glass jars or vacuum-sealed pouches. It’s often found in the canned meat or deli section of most grocery stores.

Can I make this gluten-free?

Yes! Simply swap the all-purpose flour for a gluten-free flour blend when making the roux. Also, be sure your dried beef and bread are gluten-free.

Is creamed chipped beef the same as S.O.S?

Yes, “S.O.S” (short for “stuff on a shingle”) is a nickname for creamed chipped beef on toast, especially in military and diner slang.

Can I use something other than toast?

Absolutely! This creamy beef mixture works beautifully over biscuits, bagels, baked potatoes, or even savory waffles.

Can I freeze creamed chipped beef?

Freezing is not recommended. The cream sauce can become grainy and separate when thawed. It’s best enjoyed fresh or within a few days from the fridge.

Can I make it ahead?

Yes, you can make the cream sauce and beef mixture up to 2 days in advance. Store it in the fridge and reheat gently, adding a splash of milk to keep it smooth.

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Want More Comfort Food Classics?

If you love this creamy chipped beef recipe, here are some other savory and cozy dishes to try next:

• Garlic Butter Chicken with Rigatoni and Parmesan – Creamy and hearty with garlicky flavor in every bite.
• Mississippi Beef and Noodles – A slow-cooked beef favorite perfect for Sunday dinner.
• Bacon, Egg, and Hash Brown Casserole – Breakfast comfort in casserole form.
• Creamy Shrimp Chowder – A cozy seafood twist for chowder lovers.
• Cheesy Broccoli Rice Casserole – Perfect as a side or meatless main dish.

Save This Pin + Share Your Results

📌 Save this recipe to your Pinterest comfort food board so it’s easy to find when the craving strikes!

And I’d love to hear how your version turned out. Did you use classic dried beef, or put your own twist on it? Maybe served it over biscuits instead of toast?

Let’s swap ideas in the comments below. If you’re looking for more cozy, comforting recipes, check out my Pinterest board here:
👉 Life with Nina on Pinterest

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