This paper discusses the effect of different loading analysis on crack initiation life of wheel/rail in the contact region. A simulated three dimensional (3D) elastoplastic model of a wheel/rail contact is modelled using the fine mesh technique in the contact region by using Finite Element Method FEM code ANSYS 11.0 software. Different loads of approximately 70, 80, 90, 100, 110, 120, 130 and 140 KN were applied to the wheel tread during the running surface of the railhead to simulate stress distribution (Von Mises) and a life prediction of the crack initiation. Stress analysis is performed and the fatigue damage to the railhead surface is calculated numerically by using a multi-axial fatigue life of crack initiation model. Results obtained from previous researches are compared with this research.