Motion capture and musculoskeletal models are widely used to evaluate footwear, but they simplify foot–shoe contact and cannot resolve bone stress and tendon loading driven by shoe geometry. Finite element models can capture these mechanics, yet their high computational cost and reliance on musculoskeletal inputs limit their use in high-throughput footwear testing in addition to obscuring contact-induced tendon loading. This study develops a simplified foot finite element model for rapid simulation, representing soft tissue as a spring network and bones as rigid bodies connected by joints with patient specific stiffnesses. A ground reaction force and fixed ankle angle derived from motion capture are applied, enabling the model to predict tendon loads. The model reduces simulation time from ~8 hours to under 10 minutes. This framework enables efficient footwear evaluation with improved insight into design-driven loading, supporting strategies to reduce bone stress injuries, tendonitis, and enhance overall comfort.