Beat softened cream cheese and peanut butter in a large bowl until smooth.
Mix in powdered sugar and vanilla until fully blended.
Whisk pudding mix with cold milk in a separate bowl for 1 minute.
Let the pudding stand 2 minutes to thicken slightly.
Fold the thickened pudding into the peanut butter mixture until combined.
Gently fold in the whipped topping until light and airy.
Stir in mini marshmallows and any optional mix-ins.
Cover and chill 30 minutes before serving for best texture.
Notes
Serve in cups with crushed graham crackers, pretzels, or apple slices for dipping. For a chocolate twist, swap chocolate pudding for vanilla or drizzle the top with melted chocolate. Store covered in the refrigerator up to 3 days; stir before serving.This recipe is an original creation inspired by classic Easy Peanut Butter Fluff Dessert flavors. All ingredient ratios and instructions are independently developed.