Is my Tach off that much or is it my Speedo?

Hmmm...Possibly you have 3.27's. Check the door jamb at the production sticker and look at the code under axle or trans. If it is an "E" you have 3.27's. This is if the car is stock. Did you purchase it used? If so it could be you have 3.73's because that is what the calc shows at the speed and rpm's you provide.