Based on coupled thermal-mechanical method, rust bilge cracking of reinforced concrete pier in marine environment has been studied in this paper. Because of the similarity of differential equations of chloride diffusion and transient heat transfer, chloride diffusion is completed by using the transient heat transfer method. The chloride ion concentration at the reinforcement surface is obtained and is taken as temperature load at each time step. After introducing the equivalent time-varying coefficient of thermal expansion, the corrosion-induced reinforcement expansion and concrete cracking are simulated by the thermal expansion method. Numerical results show that the method is reasonable and feasible.