Veggie • 30 Min • Budget
A comforting, richly seasoned Mexican-style Bean Chili made entirely from budget-friendly pantry ingredients. This recipe comes together in about 25 minutes, delivers a deep, satisfying flavor, and stretches beautifully for meal prep or family dinners.
Ingredients
Chili Base
- 1 tbsp oil
- 1 medium onion, diced
- 3 cloves garlic, minced
- 1 lb ground beef or 1 can (540 ml) lentils for a low-cost vegetarian option
- 1 can (796 ml) crushed tomatoes
- 1 can (540 ml) black beans, drained and rinsed
- 1 can (540 ml) kidney beans, drained and rinsed
- 1 cup water or broth
Mexican Seasoning
- 1 tbsp chili powder
- 1 tsp cumin
- 1 tsp paprika
- ½ tsp oregano
- ½ tsp salt (adjust to taste)
- ¼ tsp black pepper
- Optional heat: pinch of cayenne or chopped jalapeño
Finish
- Fresh cilantro, chopped
- Lime wedges
To Serve (Optional)
- Rice
- Tortilla chips
- Sour cream
- Shredded cheese
Step-by-Step Instructions
1. Sauté aromatics
Heat oil in a large pot over medium heat.
Add onion and sauté 3–4 minutes until soft.
Stir in garlic for 30 seconds until fragrant.
2. Brown the beef (or warm lentils)
Add ground beef and cook 5–6 minutes, breaking it apart until lightly browned.
If using lentils, simply add them with the tomatoes in the next step.
3. Add beans, tomatoes & seasoning
Stir in crushed tomatoes, black beans, kidney beans, water (or broth), and all seasoning.
Mix well to combine.
4. Simmer
Bring to a gentle simmer and cook 10–12 minutes until thickened and flavorful.
Taste and adjust salt, spices, or heat.
5. Finish
Remove from heat and top with fresh cilantro.
Serve with lime wedges.
Time Breakdown
- Prep Time: 10 minutes
- Cook Time: 15 minutes
- Total Time: 25 minutes
Equipment List
- Large pot or Dutch oven
- Cutting board & knife
- Wooden spoon
Notes & Substitutions
- Protein swap: Replace beef with lentils or canned chickpeas for a lower-cost version.
- Add vegetables: Corn, bell pepper, carrots, or zucchini work well.
- Make it spicier: Add cayenne, chili flakes, or jalapeño.
- Thicker chili: Simmer uncovered longer or mash a few beans into the pot.
- Stretch the meal: Serve over rice to make 6–8 generous portions.
Storage Instructions
- Refrigerator: Up to 4 days.
- Freezer: Up to 3 months (excellent for freezing).
- Reheat: Warm on the stove with a splash of water if needed.
Why You’ll Love this Recipe
- Made entirely from affordable pantry ingredients
- Big flavor with minimal effort
- High protein & filling
- Perfect for meal prep
- Easy to customize and freeze
You may also enjoy our Thai Peanut Noodles, try the Budget Tuna Pasta, or go for a Easy Garlic Parmesan Chicken.

