The present invention discloses a brake-by-wire actuator based on motor-magnetorheological fluid clutch. The system includes a motor, a transmission mechanism and a floating-caliper disc mechanism. The transmission mechanism includes a magnetorheological fluid clutch, a planetary gear set and a ball screw set. The ball screw set includes balls, a ball screw and a sleeve. The floating-caliper disc mechanism includes a brake pad back plate, left and right brake pads, a caliper body, a brake disc and a guide rail. The motor and the magnetorheological fluid clutch cascaded in series, the linear motion of the sleeve of the ball screw set is achieved by the magnetorheological fluid clutch and the transmission mechanism. The sleeve pushes forward the brake pad back plate of the floating-caliper disc mechanism to clamp the brake disc by left and right brake pads, which accomplishes braking. The present invention uses a brake-by-wire actuator based on motor-magnetorheological fluid clutch, which not only has the advantages of fast response and improved braking security, but also solves the problem of the motor stalling during long time braking.