The invention discloses a stepped n-gear wet clutch structure, which is characterized by comprising a casing, an oil delivery pipe, a piston, a sealing ring, a stop washer, a return spring, a clutch plate, a gear shaft, a gear ring gear and a gear transmission structure, The movement of the piston is controlled by the hydraulic pressure, the return spring accelerates the return speed of the piston, the sealing ring prevents the leakage of hydraulic oil, the stop washer fixes the position of the clutch plate, the gear shafts are all hollow shafts, and are nested layer by layer. Circle solid connection. The structure of the invention has large bearing capacity, good heat dissipation performance and wide application range; the stepped shell design shape saves space and is compact in structure; adopts the concept of modularization, can be extended continuously and has wide application prospects.