The coupling of thermal mass and natural ventilation is important to passive building design. Thermal mass can be classified as external thermal mass and internal thermal mass. Due to great diurnal variation of ambient air temperature and solar radiation intensity, heat transfer through building envelopes, which is called external thermal mass, is a complex and unsteady process. Indoor furniture are internal thermal mass, affecting the indoor air temperature through the process of absorbing and releasing heat. In this paper, a heat balance model coupling the external and internal thermal mass, natural ventilation rate and indoor air temperature for naturally ventilated building is developed. In this model, the inner surface temperature of building envelopes is obtained based on the harmonic response method. The effect of external and internal thermal mass on indoor air temperature for six external walls is discussed of different configurations including lightweight and heavy structures with and without external/intemal insulation. Based on this model, a simple tool is developed to estimate the indoor air temperature for certain external and internal thermal mass and to determine the internal thermal mass needed to maintain required indoor air temperature for certain external wall for naturally ventilated building. (C) 2007 Elsevier B.V. All rights reserved.