The invention provides breathable multifunctional fabric with a function of spontaneously heating. The fabric comprises a temperature difference layer, a heat generating layer, a heat accumulating layer, a waterproof layer and through holes, wherein the temperature difference layer, the heat generating layer, the heat accumulating layer and the waterproof layer are sequentially bonded from insideto outside, and the through holes pass through the temperature difference layer, the heat generating layer, the heat accumulating layer and the waterproof layer. The breathable multifunctional fabricwith the function of spontaneously heating utilizes the skin heat of a human body, and enables carbon fiber heating microfilaments to emit infrared heating rays based on the thermoelectric power generation principle after being energized; the zirconium carbide absorbs the visible light energy in the sunlight and can reflect the infrared rays emitted by the human body and the carbon fiber heating microfilaments at the same time; the heat is stored in the material, so that the human body can achieve a somatosensory warming effect; furthermore, shape-memory polymer material fibers, close to the human skin, undergo a high-temperature phase deformation, the expansion of the through holes at the skin side is more conducive to the discharge of generated sweat, and the through holes at the outer sides are maintained to be in low-temperature phase shapes so as to effectively prevent wind and further accumulate heat.