In this paper, a computationally efficient integrated frame-work is developed for coupled thermo-mechanical analysis of 3D frames. It can account for physical phenomena like large deformations, temperature dependent material degradation, permanent plastic deformations and fire induced spalling which are prevalent at elevated temperatures. The developed frame-work utilizes three way sequential coupling between thermal, mass transport and structural analysis. A two level discretization scheme is incorporated where 1D beam column elements are utilized for structural analysis, the cross-section of these beam-column elements are further discretized into matrix of segments. Aforementioned strategy entails sequential coupling of effects of non-uniform temperature and pore pressure across the cross-section into structural analysis. Subsequently structural analysis is performed with an updated Lagrangean based formulation with force deformation relationships deduced form classical Euler-Bernoulli beam column theory. Critical physical phenomena like cracking, crushing, spalling and transient states of strain in case of concrete and yielding in case of steel are duly accounted. Cross-sectional reduction due to spalling are accounted for by replacing the spalled segments with void segments in the subsequent time steps. Numerical examples of steel and concrete structures subjected to various fire scenarios are presented to demonstrate the accuracy of developed framework. Furthermore, progressive collapse analysis is carried out for concrete and steel 3D subjected to fire. © 2017 The Authors. Published by Elsevier Ltd.