The invention discloses a method for predicting the top layer oil temperature of an oil-immersed transformer based on multiple factors. The method comprises the steps that the daily temperature predicted maximum value of one day in the future, the daily load prediction 95 probability predicted value of one day in the future and transformer base oil temperature data are substituted into a transformer oil temperature linear-regression analysis model for calculation so as to obtain the oil temperature predicted maximum value of one day in the future, if the working condition of a transformer cooling system is abnormal, the algebraic sum of the oil temperature predicted maximum value of one day in the future and the operation abnormal correction of a cooler is solved, and the final top layer oil temperature predicted value of the transformer is obtained. The method for predicting the top layer oil temperature of the oil-immersed transformer based on multiple factors is simple and practical, and a reference basis is provided for power grid operation management personnel to timely know the operation condition of the transformer.