Most electrical injuries never involve phase-to-phase shorts. They involve a live conductor meeting earth through a broken cable, a damp wall or a person - the ground fault, which does its damage in the half-second before anything clears.
Ground-Fault Calculator estimates the fault current and the touch voltage for a line-to-earth fault, then judges whether the RCD or breaker protecting the circuit would actually clear it in time.
It is a field-aid. Always verify with an instrument (loop tester) and the code in force.