Hearing loss simulation models are essential for hearing aid deployment. However, existing models have high computational complexity and latency, which limits real-time applications and lack direct integration with speech processing systems. To address these issues, we propose Neuro-MSBG, a lightweight end-to-end model with a personalized audiogram encoder for effective time-frequency modeling. Experiments show that Neuro-MSBG supports parallel inference and retains the intelligibility and perceptual quality of the original MSBG, with a Spearman's rank correlation coefficient (SRCC) of 0.9247 for Short-Time Objective Intelligibility (STOI) and 0.8671 for Perceptual Evaluation of Speech Quality (PESQ). Neuro-MSBG reduces simulation runtime by a factor of 46 (from 0.970 seconds to 0.021 seconds for a 1 second input), further demonstrating its efficiency and practicality.