<p>Oil film temperature and pressure variations induce viscosity changes, subsequently affecting bearing load-carrying capacity and operating efficiency, during ship operation. A TEG-based energy harvesting model is proposed for marine tilting-pad thrust bearings considering the viscosity-temperature-pressure effect, to convert mechanical energy into thermal energy. A fluid-thermal-electric coupled model is established by using a UDF program. The bearing’s lubrication performance and TEG energy harvesting performance under different operating conditions are systematically calculated. The effects of shaft system rotation speed, oil inlet pressure, tilt angle variations, and the viscosity-temperature-pressure effect on oil film pressure, temperature, energy harvesting voltage are analyzed. Moreover, the maximum voltage, output power, and efficiency of the TEG is investigated across various specific heat capacity, material thermal conductivity, and dynamic viscosity. The results indicate that the output power declines with increasing load resistance due to fluctuations in circuit impedance caused by the internal thermoelectric potential and charge migration characteristics.</p>