Utilization of upgraded fine fly ash in cement-based materials has been proved by many researchers as an effective method to improve compressive strength of cement based materials at early ages. The addition of fine fly ash has introduced dilution effect, enhanced pozzolanic reaction effect, nucleation effect and physical filling effect into cement-fly ash system. In this study, an integrated reaction model is adpoted to quantify the contributions from cement hydration and pozzolanic reaction to compressive strength. A modified model related to the physical filling effect is utilized to calculate the compressive strength increment considering the gradual dissolution of fly ash particles. Via combination of these two parts, a numerical model has been proposed to predict the compressive strength development of fine fly ash mortar considering fly ash fineness. The reliability of the model is validated through good agreement with the experimental results from previous articles.