The extended finite element method (XFEM) is the most effective numerical method to solve discontinuous dynamic problems so far. It makes research within a standard finite element framework and needs not mesh repartition to geometric and physical interface, so it reserves all merits of the conventional finite element method (CFEM). The XFEM was applied to the penetration process for concrete target in the paper, and the displacement mode of elements with cracks and fracture criterion were presented. Then the weak solutions of control equations were discretized in different areas. The numerical examples for steel rod penetrating in the concrete target concluded that the method and program were reasonable and effective. The effect discipline of crack growth to the concrete material penetration process was summarized, and it would establish theoretic base for the further application of the XFEM.