Real-time analysis of bio-heat transfer is very beneficial in improving clinical outcomes of hyperthermia and thermal ablative treatments but challenging to achieve due to large computational costs. This paper presents a fast numerical algorithm well suited for real-time solutions of bio-heat transfer, and it achieves real-time computation via the (i) computationally efficient explicit dynamics in the temporal domain, (ii) element-level thermal load computation, (iii) computationally efficient finite elements, (iv) explicit formulation for unknown nodal temperature, and (v) pre-computation of constant simulation matrices and parameters, all of which lead to a significant reduction in computation time for fast run-time computation. The proposed methodology considers temperature-dependent thermal properties for nonlinear characteristics of bio-heat transfer in soft tissue. Utilising a parallel execution, the proposed method achieves computation time reduction of 107.71 and 274.57 times compared to those of with and without parallelisation of the commercial finite element codes if temperature-dependent thermal properties are considered, and 303.07 and 772.58 times if temperature-independent thermal properties are considered, far exceeding the computational performance of the commercial finite element codes, presenting great potential in real-time predictive analysis of tissue temperature for planning, optimisation and evaluation of thermo-therapeutic treatments.Various techniques were reported to facilitate the computational performance of numerical methods for solutions of the bio-heat transfer equation, and most of the existing techniques were based on the finite difference method (FDM). Schwenke et al.[20] studied a Graphics Processing Unit (GPU)-accelerated FDM to achieve fast simulation of focused ultrasound treatment via a parallel execution of the solution procedure on GPU; however, FDM requires a regular computation grid to approximate spatial derivatives, but human organs/tissue are irregular shapes with curvilinear boundaries, resulting in inaccuracy for accommodating soft tissue material properties and enforcing boundary conditions. He and Liu [21] developed a parallel alternating direction explicit (ADE) scheme based on FDM to solve the bio-heat equation; Carluccio et al. [22] devised a spatial filter method based on Fast Fourier Transform (FFT) with FDM to reduce computation time; Kalantzis et al.[23] studied a GPU-accelerated FDM for fast simulation of focused ultrasound thermal ablation; Dillenseger and Esneault [24] also studied an FFT-based FDM method; Chen et al. [25] presented a GPU-accelerated microwave imaging method based on FDM to monitor temperature in thermal therapy; Johnson and Saidel [26] studied an FDM-based methodology for fast simulation of radiofrequency tumour ablation; and Niu et al. [27] employed cellular neural networks (CNN) based on FDM for efficient estimation of tissue temperature field. Despite the improved computational performance by the above methods, they all suffer from ...