Two questions, and most calculators answer only one
Consolidating debts into a single loan almost always lowers the monthly payment. That is what it is sold on and it is usually true, because the new loan is written over a longer term than the debts it replaces.
The question that matters as much is what it costs in total. Stretching the same balance over more months means paying interest for more months, and a lower rate does not automatically make up for it. A page that shows the new payment and stops has answered the easy half.
So this one shows both, side by side, and says in words which way each went. Sometimes the answer is that consolidating is straightforwardly better. Often it is that the payment falls and the total rises, and that can still be the right decision if the lower payment is what makes the plan survivable. What it should not be is a surprise.
What the comparison assumes
Keeping things as they are means every debt running on the payment you make now, with nothing rolling over when one of them clears. That is the conservative baseline and it is what actually happens to most people: a card that clears frees up money that goes somewhere else. Rolling the freed payment into the next debt is a better strategy and it belongs on the debt payoff page, which is built for it.
The consolidation side is one fixed-rate loan for the whole of what is owed, repaid over the term you choose.
The fee comes out of the money, not the balance
An arrangement fee is generally deducted from what the lender advances rather than added to what you owe. Borrow exactly the total of the debts and the fee means you end up short by that much, with a small balance left on an old account at its old rate.
It is a small thing that undoes the whole exercise, so the page shows what is actually advanced next to what is owed. Either borrow the extra or plan to find it.
The part arithmetic cannot see
The comparison assumes the old accounts are closed and stay closed. A consolidation loan that clears three cards, followed by the cards filling up again, leaves you with the loan and the cards, which is materially worse than having done nothing at all.
This is the most common way consolidation goes wrong and no calculator can model it. It is worth being honest with yourself about before signing rather than afterwards.