A mathematical model for spontaneous combustion of coal with moisture included is presented in this paper. The one-dimensional unsteady state model consists of conservation equations for oxygen, water vapour and inherent moisture of coal and energy for both gaseous and solid phases. A first order Arrhenius reaction rate for oxidation under both pore diffusion and chemically controlled reaction regime is considered. The rate of evaporation or condensation is also considered as a function of temperature of coal, water content of coal and gas streams. The equation of the model is solved numerically by the finite difference technique. Influences of different parameters on the process of spontaneous combustion can be examined by using this model. Also the model can be used to simulate full-scale storage conditions.