Phosphorus-based flame retardants are widely employed in the study of flame retardancy for cotton fabrics due to their halogen-free nature and high efficiency. The addition of nitrogen and other elements can further enhance flame retardant properties through synergistic effects. However, the synthesis of flame-retardant multifunctional additives based on phosphoramidic ammonium salts has been scarcely reported. In this study, a halogen-free and formaldehyde-free phosphoramidite ammonium salt was synthesized as a synergistic flame retardant multifunctional additive. This compound, with phosphorus as the primary flame retardant element and a nitrogen-containing guanidine group, was used to modify cotton fabrics. The treated fabrics exhibited enhanced flame retardant and antibacterial properties. Notably, cotton fabrics treated with a 17.9 % weight gain showed a damaged length of 4 cm in the vertical flame test, and the LOI value increased to 41.5 %, remaining at 27.3 % even after 50 washing cycles. The results of the cone calorimeter test (CCT) revealed that the peak heat release rate (PHRR) and total heat release (THR) of treated cotton were 30.35 kW/m2 and 5.46 MJ/m2, respectively, representing reductions of 87.04 % and 36.07 % compared to untreated cotton. Physical performance tests indicated only a slight decrease in the strength and whiteness of the cotton fabrics, while softness increased after treatment. Moreover, the treated cotton fabric exhibited excellent antibacterial properties, with antibacterial rates of 99.26 % against E. coli and 98.54 % against S. aureus.