After lower limb amputation or disability, prosthetic limbs are essential for regaining mobility, but skin integrity often degrades due to mechanical stresses at the stump–prosthesis interface. In this study, the finite element method was utilized to predict the areas at the stump–prosthetic interface experiencing the highest levels and distributions of mechanical stresses. The empirical results of the finite element analysis (FEA) delineated the stress concentration sites. Consequently, we devised an innovative liner design tailored to these stress patterns, which was subsequently implemented. The simulation outcomes validated the effectiveness of the liner, demonstrating significant reductions in stress levels at the junction of the residual limb and the prosthetic socket. The results demonstrated that the designed liner was highly effective in reducing stress, particularly in three critical areas: the lateral area of the tibia head (LTH), the tibia end area (TE), and the fibular end (FE). Stress values at the LTH were reduced from 55 to 10 kPa, at the TE from 60 to 28 kPa, and at the FE from 72.3 to 14 kPa. In essence, this liner represents a bespoke intervention, with the FEA serving as a predictive tool that not only identifies critical stress points but also guides the design of personalized prosthetic liners. These findings will improve the structural and functional compatibility of the prosthesis, thereby enhancing wearer comfort and reducing the risk of skin-related complications for persons with disabilities.