AbstractInteractions between liquid biomolecular condensates and membranes play a crucial role in shaping cellular architecture and driving processes such as endocytosis or membrane scission. These phenomena arise from a delicate balance between capillary forces and membrane properties, yet their theoretical and numerical description remains challenging, especially when topological transitions occur. We introduce a phase-field framework to simulate the dynamics of droplet–membrane interactions, including budding, fusion, and scission events. The model couples a ternary Cahn–Hilliard formulation for three-phase flow with a thermodynamically consistent description of membrane mechanics, incorporating bending rigidity, Gaussian curvature, inextensibility, and line tension. Adaptive finite element discretization ensures accurate resolution of highly curved interfaces while maintaining computational efficiency. Benchmark tests confirm the model’s accuracy in reproducing equilibrium wetting states and theoretical shape predictions. Beyond static configurations, the simulations reveal complex, nonlinear remodeling behaviors driven by droplet wetting and membrane properties. This framework provides a robust and extensible basis for studying elastocapillary membrane dynamics and offers new insights into the physical mechanisms underlying droplet-induced membrane transformations.