The present invention discloses a user heterogeneous time value and traffic jam expense budget-based traffic distribution method. According to the present invention, by adding the two traveler economic parameters of the time value and the traffic jam expense budget in a traffic distribution model, the more objective and reasonable road network flow is outputted. According to the present invention, an actual road network is simplified into an abstract traffic network, and a path selection and traffic distribution combined model considering the heterogeneous time value and the traffic jam expense budget is constructed. The time value is a parameter describing the boundary expense, namely, is the fund cost that the users are willing to save and pay for each unit time, and the traffic jam expense budget is the cash quantity that the travelers can dominate the traffic jam expense. Based on considering the traveler heterogeneity, the user travel target can change from the conventional shortest driving time to the minimum comprehensive cost after considering the traffic jam expense budget, namely, the minimum summation of the driving time and the traffic jam expense, so that, obviously, the travel behaviors of the users and the road network flow can be described more reasonably and objectively, and the reference is provided for the path planning and the traffic jam charging.