3D digital-image correlation (3D-DIC) is a non-contact optical technique for full-field shape, displacement, and deformation measurement. Given the high experimental hardware costs associated with 3D-DIC, the development of high-fidelity 3D-DIC simulations holds significant value. However, existing research on 3D-DIC simulation was mainly carried out through the generation of random speckle images. This study innovatively proposes a complete 3D-DIC simulation method involving optical simulation and mechanical simulation and integrating 3D-DIC, virtual stereo vision, and image super-resolution reconstruction technology. Virtual stereo vision can reduce hardware costs and eliminate camera-synchronization errors. Image super-resolution reconstruction can compensate for the decrease in precision caused by image-resolution loss. An array of software tools such as ANSYS SPEOS 2024R1, ZEMAX 2024R1, MECHANICAL 2024R1, and MULTIDIC v1.1.0 are used to implement this simulation. Measurement systems based on stereo vision and virtual stereo vision were built and tested for use in 3D-DIC. The results of the simulation experiment show that when the synchronization error of the basic stereo-vision system (BSS) is within 10−3 time steps, the reconstruction error is within 0.005 mm and the accuracy of the virtual stereo-vision system is between the BSS’s synchronization error of 10−7 and 10−6 time steps. In addition, after image super-resolution reconstruction technology is applied, the reconstruction error will be reduced to within 0.002 mm. The simulation method proposed in this study can provide a novel research path for existing researchers in the field while also offering the opportunity for researchers without access to costly hardware to participate in related research.