A three-dimensional thermoregulation mathematical model of temperature fluctuations for the human body is developed based on predecessors' thermal models. The following improvements are necessary in real situations: ellipsoids and elliptical cylinders are used to adequately approximate body geometry, divided into 18 segments and five layers; the core layer consists of the organs; the pulsation of the heart cycle, the pulsatile laminar flow, the peripheral resistance, and the thermal effect of food are considered. The model is calculated by adopting computational fluid dynamics(CFD) technology, and the results of the model match with the experimental data. This paper can give a reasonable explanation for the temperature fluctuations.