The Finite Difference Time-Domain (FDTD) method is a powerful tool for electromagnetic field analysis. In this work, we develop a variation of the algorithm to accurately calculate antenna, microwave circuit, and target scattering problems. To improve efficiency, a single-field (SF) FDTD method is proposed as a numerical solution to the time-domain Helmholtz equations. New formulas incorporating resistors and voltage sources are derived for the SF-FDTD algorithm, including hybrid implicit–explicit and weakly conditionally stable SF-FDTD methods. The correctness of these formulas is verified through numerical simulations of a newly designed dual-band wearable antenna with an artificial magnetic conductor (AMC) structure. A novel antenna fed by a coplanar waveguide with a compact size of 15.6 × 20 mm² has been obtained after being optimized through an artificial intelligent method. A double-layer, dual-frequency AMC structure is designed to improve the isolation between the antenna and the human body. The simulation and experiment results with different bending degrees show that the antenna with the AMC structure can cover two frequency bands, 2.4 GHz–2.48 GHz and 5.725 GHz–5.875 GHz. The gain at 2.45 GHz and 5.8 GHz reaches 5.3 dBi and 8.9 dBi, respectively. The specific absorption rate has been reduced to the international standard range. In particular, this proposed SF-FDTD method can be extended to analyze other electromagnetic problems with fine details in one or two directions.