A general electrode-electrolyte-assembly (EEA) model has been developed, which is valid for different designs of solid oxide fuel cells (SOFCs) operating at different temperatures. In this study, it is applied to analyze the performance characteristics of planar anode-supported SOFCs. One of the novel features of the present model is its treatment of electrodes. An electrode in the present model is composed of two distinct layers referred to as the backing layer and the reaction zone layer. The other important feature of the present model is its flexibility in fuel, having taking into account the reforming and water-gas shift reactions in the anode. The coupled governing equations of species, charge and energy along with the constitutive equations in different layers of the cell are solved using finite volume method. The model can predict all forms of overpotentials and the predicted concentration overpotential is validated with measured data available in literature. It is found that in an anode-supported SOFC, the cathode overpotential is still the largest cell potential loss mechanism, followed by the anode overpotential at low current densities; however, the anode overpotential becomes dominant at high current densities. The cathode and electrolyte overpotentials are not negligible even though their thicknesses are negligible relative to the anode thickness. Even at low fuel utilizations, the anode concentration overpotential becomes significant when chemical reactions (reforming and water-gas shift) in the anode are not considered. A parametric study has also been carried out to examine the effect of various key operating and design parameters on the performance of an anode-supported planar SOFCs. (C) 2008 Elsevier B.V. All rights reserved.