The response of a material to thermo-mechanical loading depends on its thermal and mechanical properties. Some materials may exhibit significant thermal expansion, meaning they expand significantly when heated, while others may be stiffer and show little thermal expansion. To evaluate the behavior of a material or structure subjected to thermo-mechanical loading, advanced analysis and modeling techniques are used, such as finite element modeling. These methods make it possible to predict deformations, stresses and possible failure problems that may occur under the effect of thermo-mechanical loading. In the present paper, assuming that the thermal regime was steady, the effects of thermo-mechanical loads on the stress intensity factor in a 2D cracked plate of functional gradient material (FGM) are examined. The analyzes the effects of thermo-mechanical loads on the stress intensity factor in a 2D cracked plate of functionally gradient material is a complex problem and generally requires advanced modeling and simulation approaches, such as the finite element method. The plate has a crack on the edge and is made of FGM (titanium-zirconia). Analyses are performed for different imposed temperature values, using the Newman’s conditions. The problem is solved using a newly created USDFLD subroutine in the ABAQUS program. In this routine, functionally graded material property variations follow an exponential law function in the plate with cracks. Stress intensity factors are calculated using the J-integral, taking into consideration the variation in properties at the crack tip. Effects of temperature and relative crack length on stress intensity factors were evaluated. The stress intensity factor values obtained by the finite element method (FEM) modeling shows that there is a good correlation with the results obtained in other studies.