In this article, the thermo-mechanical responses of ceramic/metal functionally graded thermal barrier coating(TBC) in work environment are analyzed by a finite element method. Both the crack-tip field and the stress intensity factor of functionally graded TBC are analyzed and calculated. It is discussed that the effect of crack length on mechanical properties of functionally graded TBC in the condition creep and no creep of pure metal. The numerical results indicate that the effect of crack length(a/t) is negligible to temperature distributions and the maximum displacements of whole model but remarkable to the 1st principal stress and stress intensity factor of crack region. Moreover, creep phenomenon of pure metal can relax the value of displacement, stress and stress intensity factor but do not alter their distribution.