Choose the calculator by the bottleneck you need to test.
Do not start with the business model that sounds most exciting. Start with the constraint most likely to kill the idea. Use the digital-product, affiliate and ecommerce calculators when traffic and conversion are the uncertain bottleneck. Use freelance and local-service calculators when hours, lead flow and delivery capacity are more important. Use newsletter math when audience size and monetization mix are the main questions. Use course ROI before paying for education based on an expected income claim, and use break-even when you already know the unit economics but need the minimum sales volume.
One rule applies to every calculator
Defaults are interface examples, not market averages. Replace the assumptions that matter most, then deliberately make them worse. A plan that survives a reasonable downside scenario is more useful than a plan that only works with a precise optimistic input.