Preheat your oven to 350°F (175°C). Grease and flour a 9x13-inch baking dish.
In a large mixing bowl, whisk together the flour, granulated sugar, baking powder, and salt.
In another bowl, combine the milk, melted butter, eggs, and vanilla extract. Mix well.
Gradually add the wet ingredients to the dry ingredients, stirring until just combined. Do not overmix.
Pour half of the batter into the prepared baking dish and spread it evenly.
In a separate bowl, mix the ricotta cheese, powdered sugar, lemon zest, and almond extract until smooth. Spoon this mixture over the batter in the baking dish, spreading it evenly.
Pour the remaining batter over the ricotta layer, spreading gently to cover. If using, sprinkle chocolate chips on top.
Bake for 45-50 minutes, or until a toothpick inserted in the center comes out clean.
Allow the cake to cool in the pan for at least 30 minutes before slicing and serving.