This study presents a comprehensive investigation of torpedo anchors penetrating into sand-overlying-nonhomogeneous clay deposit, with the main objective of predicting the anchor embeddment depth after it penetrates through the top sand layer. The behavior of the torpedo anchor and soil failure mechanisms during the installation process are analyzed using large deformation finite element (LDFE) methods. To validate the numerical models, comparisons are made with data from existing centrifuge and field tests. An extensive parametric study is then conducted, exploring a wide range of soil properties, soil layer thickness, anchor velocities, and parameters related to torpedo anchor geometry. Two intriguing findings emerge from the analysis. Firstly, there is an evolving soil failure, with the strain-softening region expanding in the clay near the boundary between the two soil layers. Secondly, the velocity profile during both the acceleration and deceleration stages varies with different sand layer thicknesses, displaying a nonlinear relationship with the anchor's final embedment depth. Based on the findings, a simple design procedure is developed to account for the influencing factors on the anchor installation depth. This procedure is expected to be valuable for engineers seeking to estimate the behavior of torpedo anchor installations in sand-overlying-nonhomogeneous clay soil deposits.