Solid oxide fuel cells (SOFCs) can be operated directly on coal syngas, but the various contaminants in coal syngas affect the performance and durability of the device. In the present study, three-dimensional multiphysics simulations were developed to investigate the performance degradation of tubular SOFCs operated on coal syngas. The numerical model includes charge conservation, species transport within the electrodes/channels, and heat transfer within the device. These physical processes are coupled by the chemical/electrochemical reactions, which are represented by a Butler-Volmer type formula. Based on the thermodynamic database of impurity interactions with the Ni-YSZ composite anode, the contaminants are assumed to be adsorbed on the anode surface and form secondary phases. These formed phases affect the microstructural properties, electrical conductivity, and the number of active sites for electrochemical reactions. During the operation, the contaminants diffuse from the channel/anode interface to the anode/electrolyte interface, causing further irreversible degradation. The in-house developed multiphysics simulation is robust for prediction of interaction between anode materials with different types of contaminants (e.g., PH3, H2S, AsH3, etc.). With the calibrated model parameters, the performance of the tubular SOFCs with different levels/types of contaminants is predicted. The tolerance limits of the cells are also predicted. Furthermore, the degradation resulted from Ni redistribution, are also implemented into the model to mimic the performance of realistic SOFCs operating on coal syngas. The performance degradation investigation in this study provides guidance for experimental testing with syngas exposure, which is eventually beneficial to the cost reduction of the coal syngas clean-up technology.