I use this generator, a D-104 lollipop so hat I can keep the mic keyed up, point it directly facing the computer's monitor speaker, adjust my mic level, and then adjust USB and then LSB. No other noise/sound in the room when you to it, otherwise it will change the reading. It works. Also use the same process to tune/peak the TX coils in USB mode, except that I turn the mic gain down to read just 10w - then peak. When doing AM, I just turn off the generator and turn the mic gain down to '0' and then key it up; dead key with no modulation.
Freesound.org - "TONE 1 kHz 44.1 16bit.wav" by klangfabrik