Grab your favorite microwave-safe mug (the bigger, the better!) and whisk together the flour, sugar, cocoa powder, baking powder, and salt with a fork until no lumps remain.
Add the water, neutral oil, and vanilla extract directly into the mug with the dry ingredients.
Stir the mixture vigorously with your fork, making sure to scrape the bottom edges of the mug until the batter is smooth and glossy.
Drop the chocolate chips into the center of the batter and push them down slightly so they are submerged.
Place the mug in the center of your microwave and cook on high for 60 to 75 seconds.
Watch the cake through the window; it should rise up high and then settle slightly as the timer ends.
Carefully remove the mug (it will be hot!) and let it sit on the counter for 60 seconds to firm up.
Grab a spoon and enjoy your warm chocolate fix immediately while the center is still melty and gooey.