Computer-aided engineering (CAE) is an essential tool in a digital twin not only to verify and validate a virtual twin before it is transformed into a physical twin, but also to monitor the use of the physical twin for enhanced sustainability. This paper aims to develop a CAE model for a digital twin to predict the fatigue life of materials. Fatigue damage is represented by the size of a macro-crack that grows with a cluster of micro-cracks subjected to three different loads. The growth angle is related to the maximum circumferential tensile stress, and the growth rate is determined by the stress intensity factor (SIF) at the crack tip. The prediction model takes into consideration the main factors, including micro-cracks, crack closures, and initial configurations. Simulations are developed for the growth of macro-cracks with radially distributed micro-cracks and randomly distributed micro-cracks, and we find that (1) the macro-crack in the second case grows faster than that in the first case; (2) a pure shear load affects the macro-crack propagation more than a combined shear and tensile load or a tensional load; (3) the external stresses required to propagate are reduced when the inclination angle of the micro-crack is small and within (−25° < β < 25°); (4) micro-cracks affect the propagating path of the macro-crack and generally guide the direction of propagation. The developed model has been verified and validated experimentally for its effectiveness in predicting the fracture or fatigue damage of a structure.