Photochromic microcapsules adjust to sunlight adaptively and using them to fill windows is an attractive option for constructing smart windows that can manage solar heat and daylight. However, fabricating high-durability polymer-composite photochromic microcapsules for use in outdoor glass windows remains challenging, requiring high contrast ratio, high transparency, and low haze. Herein, we synthesized a novel poly(urea-siloxane) shell monomer containing Si-O-Si bonds and successfully prepared a photochromic microcapsule by modulating the mass ratios of shell monomers and emulsifiers. The photochromic poly(urea-siloxane)-based microcapsule-coated glass (PCPUS MCG) showed high luminance transmittance (83.66 %) and low haze (20.31 %). The as-prepared PCPUS MCG exhibited self-adaptive sunlight control without additional energy input, with strong solar modulation ability (Δτsol of 38.30 %). Furthermore, the response indoor air temperature was reduced by approximately 3.7 °C in a field test using a model house equipped with PCPUS MCG windows, showing promising energy-saving potential compared with conventional windows. Therefore, uniform photochromic-microcapsule modification using Si-O-Si bonds warrants attention in future energy-saving window designs.