The large number of interdigitated electrodes (IDEs) in a macro fiber composite (MFC) piezoelectric actuator dictates using a very fine finite element (FE) mesh that requires extremely large computational costs, especially with a large number of actuators. The situation becomes infeasible if repeated finite element simulations are required, as in control tasks. In this paper, an efficient technique is proposed for modeling MFC using a finite element method. The proposed technique replaces the MFC actuator with an equivalent simple monolithic piezoceramic actuator using two electrodes only, which dramatically reduces the computational costs. The proposed technique was proven theoretically since it generates the same electric field, strain, and displacement as the physical MFC. Then, it was validated with the detailed FE model using the actual number of IDEs, as well as with experimental tests using triaxial rosette strain gauges. The computational costs for the simplified model compared with the detailed model were dramatically reduced by about 74% for memory usage, 99% for result file size, and 98.6% for computational time. Furthermore, the experimental results successfully verified the proposed technique with good consistency. To show the effectiveness of the proposed technique, it was used to simulate a morphing wing covered almost entirely by MFCs with low computational cost