Under repeated traffic, railway track settles differently along the distance, causing irregularities in track geometry. This track irregularity evolves over time which induces higher train-track dynamic interaction force and further settlement. Track geometry is used to define track quality and maintenance required. Historical track geometry values can be extrapolated future track deterioration and maintenance intervals. However, using extrapolation of historical records become challenging when changes are made to rolling stock, traffic or track design. Therefore, this paper introduces a numerical algorithm that is capable of calculating differential settlement considering the incremental effect of train-track dynamic interaction forces and deviatoric stresses during the track lifecycle. The simulation is performed across frequency-wavenumber and time-space domains to optimise computational time and thus allow for track irregularity profile to be updated every load passage. The propagation 3D stress in track-ground is modelled explicitly using Finite