Functional occlusal loads and intraoral temperature changes create stress in teeth. The purpose of this study was to evaluate the impact of simultaneous thermomechanical loads on stress distribution related to inlay restored teeth by three-dimensional finite element analysis. A mandibular first molar was constructed with tooth structures, surrounding bone and inlays of Type II gold alloy, ceramic, and composite resin. Stress patterns on the restorative materials, adhesive resin, enamel and dentin were analyzed after simulated temperature changes from 36°C to 4 or 60°C for 2 s with 200-N oblique loading. The results showed that the three types of inlays had similar stress distribution in the tooth structures and restorative materials. Concerning the adhesive resin, the composite resin inlay model exhibited lower stresses than ceramic and gold alloy inlays. Simultaneous thermomechanical loads caused high stress patterns in inlay-restored teeth. Composite resin inlays may be the better choice to avoid adhesive failure.