..... Any guesses how far off my odometer is?
The effect on your odometer is basically the ratio of the diameter of the new tires to the diameter of the original tires. If your new tires are 31" and the original tires were 28", your odometer will read low, (28/31) * 100, or approximately 90% of the correct reading. If your differential is not stock, you will have to figure the ratio of the old to the new. These calculations are approximate, because the inflation of the tires, amount of treadwear, etc. affect the effective diameter. If you watch your odometer and the mile markers along the highway for several miles you can verify your calculations. Another way is to compare your speedometer reading with one of those radar trailers used by some police departments to encourage people to slow down.