Preheat the oven to 350°F (180°C ) and line a muffin tin with paper liners (or use a silicone muffin pan).
In a large bowl, whisk together all the dry ingredients.
1 ⅓ cup white all-purpose flour, 2 teaspoon baking powder, ½ teaspoon baking soda, tiny pinch of salt (about ⅛ tsp)
Finely grate the carrots using the small holes of a box grater.
1 cup carrots
Place the peeled banana in a mixing bowl or soup plate. Use a fork to mash it well until mostly smooth- it's okay if there are a few small lumps left.
¾ cup mashed banana
Add the wet ingredients to the dry ones. Gently stir everything together until just combined using a spatula.
¾ cup mashed banana, ¼ cup maple syrup, 1 cup carrots
Fold in chocolate chips (if using, but I highly recommend it ;-)).
¼ cup dark chocolate chips
Spoon the batter into the prepared muffin liners, filling each one about ¾ of the way full. Bake for 22-25 minutes, or until a toothpick inserted into the center comes out clean or with just a few moist crumbs.
Let them sit in the pan for 10 minutes, then transfer to a wire rack to cool completely.