We evaluate the effectiveness and validity of J(sub)e, which comprehensively describes the effects of specimen geometry and loading type, in predicting the fatigue life of auto seat belt anchor panel. We first simplify the heat affected zone model to reduce the number of finite elements. We then establish finite element models reflecting the actual overload behavior of 3 types of seat belt anchor specimens. Using finite element models elaborately established, we obtain the effective crack driving parameter J(sub)e composed of its ductility-dependent modal components. It is confirmed that the J(sub)e concept successfully predicts the fatigue life of multi-spot welded panel structures represented by auto seat belt anchors here.