As a general rule of thumb, just to through a bit of uncertainty in though, standard fit tyres tend to under read on the speedo to actual speed, usually to the tune of 10%. I have come across some accurate vehicles but not many. Also bear in mind that as a tyre wears your actual speed will reduce compared to engine revs due to loosing about 12mm diameter off your tyre from new to illegal (new tyre generally have 8mm tread, illegal 1.6 so say 2mm to be safe). If you drive with a sat nav or safety camera system, compare the indicated speed on this with your speedo.Whatever the percentage difference is between these, if the sat nav read higher by say 10%, you can choose a tyre with a 10% larger rolling circumference (3.142*diameter) before risking your licence. Just make sure you measure your tread depth first though and factor this into your calculations.