<Begin lecture. There may be a quiz.>
1. One of the problems this thread is circling around is that most available calculators allow you to input a selection such as "single phase", "three phase" and "DC" and then they use that input to make an assumption as to what calculation will give you the answer that you really need. And nowhere do they tell you explicitly what they are doing, but they always ask for the physical distance of the circuit rather than one or two way wire length.
If the calculator in question is a spreadsheet you can look at its formulas and logic to see what it does. With an online calculator that is usually not an option.
If you really need to know what it is doing you need to run a test calculation for each voltage system specification and compare it to a hand calculation where you know what you are inputting for the wire length.
2. Another problem is what to do in general with a line to neutral load.
If you have a two wire connection from load to supply there will be voltage drop on both wires. Period. And the drop in voltage seen by the load and the power lost to wire resistance will be based on the loop wire length.
If you have a line to neutral connection where the neutral is part of a "full boat" MWBC, whether single or three phase, AND the total of all of your single phase loads is roughly balanced across the MWBC, then there will be very little voltage drop on the neutral since there will be very little current. The result is that the voltage drop will correspond closely to the one way wire length.
3. When dealing with percentage voltage drop rather than absolute voltage drop you have to be careful to use the denominator voltage which corresponds to the calculated numeric voltage drop (the numerator).
For example, if you have a single isolated 120V load on a 120/240 single phase system and the resistance is such that a 10A load drops 1.2V on one wire, then you will have a 2.4V total drop out of 120V for a percent drop of 2%.
If you have a 240V 10A load the voltage drop on each wire will be 1.2V, for a total voltage drop of 2.4V and a percentage drop of 1% with exactly the same wire gauge. But you will be delivering twice the power to the load.
If you have two balanced 120V loads in place of the 240V load you will have a voltage drop of 1.2V for each, and a %VD of 1.2/120 or 1%.
The figures are consistent.
4. When you introduce three phase, you need to be even more careful about whether you are talking about load current on each line-to-line phase or talking about the current flowing in the conductor.
If you put a single resistive load phase to phase on a three phase supply you have the unfortunate complication that the two line currents are equal to the load current and they are out of phase in opposite directions and the total voltage drop, the vector sum, will have a magnitude which is exactly twice the magnitude of the "VD" on each phase line individually. (Not to be confused with the VD on the line conductor when you have a balanced triad of line to line loads.) A properly configured calculator should NOT introduce a factor of 1.73 into this calculation but will instead give you the same answer as the two line single phase result.
But it is likely that the calculator will assume that you are talking about a balanced three phase load, in which case the factor of 1/1.73 will come into play and you will have a reduced power loss, just as you would have a lower loss for a balanced line to neutral load in a single phase 120/240 situation.
5. If you consider line to neutral loads in a balanced three phase wye configuration, the voltage drops will all be 10A time a single wire length, just as for balanced line to neutral loads on a 120/240 MWBC. But the voltage you divide by to get %VD must be the line to neutral voltage not the line to line voltage. (Which voltage did you enter into the calculator so that it could give you %VD???)
<End of lecture, resume discussion>