A closed-form equation was developed in this work to quantify the stress intensity factor (SIF) along an arbitrarily shaped planar crack under mode-I loading by substituting the ellipse-related parameters in Irwin’s solution with geometry-related parameters fi of the crack. This allowed incorporation of the local crack curvature effect on SIF at each discrete point along the crack front and its relative weighted contribution to SIF of the neighboring crack point i, where either stress concentration or shielding took place, into computation of the SIF distribution along the crack front. Good agreement was obtained between the KI values derived in the current work and previous numerical simulation-based studies. The current method could capture the KI distributions for surface and embedded cracks having the same shape, with their maximum values being consistent with Murakami’s area method. This solution of KI allows for highly efficient calculation of ΔKI for quantification of the 3D growth behaviors of a fatigue crack with a complex shape, paving the way for studying the statistical nature of short fatigue crack growth.