In order to solve the problems of insufficient support, local compression and comfort fluctuation in the actual wearing of pregnant women’s belly support belt, this paper constructs a computational framework combining digital human body modeling, fabric mechanical representation, multi-physics coupling simulation and gradient elastic optimization. In this study, the abdominal surface characteristics, belt body partition structure, material nonlinear parameters and dynamic attitude conditions were integrated into the model. Through finite element solution, surrogate modeling and comfort evaluation algorithm, the virtual reconstruction and parameter optimization of the support force transfer process of the supporting belt were completed. The results show that the gradient elastic scheme can increase the effective support force to 39.4N, reduce the peak pressure to 4.9 kPa, reduce the pressure dispersion coefficient to 0.18, and achieve a comprehensive comfort index of 0.813, which is better than the uniform elastic scheme, the front support area enhancement scheme and the three-zone elastic scheme. The proposed method can better reveal the action mechanism of gradient elastic distribution on support comfort, and provide a computable and verifiable technical path for the intelligent design and individual adaptation of maternity functional clothing.