When exactly is this due, and how much trouble am I in?
Take the mailing date on the front page, add three months for an ordinary action on the merits, and that is the printed date. Then note that the real last-resort date is six months from mailing, and that the gap between those two is buyable in one-month steps for a fee.
Use the calculator below for your own dates. It shows the printed date, every extension date, the six-month wall, and the rules it applied.
Office Action deadline calculator
How the arithmetic works
Periods are counted in calendar months from the mailing date, so three months from 12 March is 12 June.
When the corresponding day does not exist in the later month, the period ends on the last day of that month: three months from 30 November ends 28 February, or 29 February in a leap year.
If the end date falls on a Saturday, a Sunday or a federal holiday in the District of Columbia, a reply filed on the next business day is timely under 37 C.F.R. 1.7(a).
Extensions under 1.136(a) are bought rather than requested: pay the fee and the period is extended, in whole months.
Nothing moves a reply past six months from the mailing date.
The final-action exception
After a final Office Action, replying within two months can make the effective period depend on when the examiner mails the advisory action, under MPEP 706.07(f). Filing at month two and a half rather than month one can leave you with an advisory action and no usable time. If your action says FINAL, treat the two-month point as the date that matters.
The mailing date printed on the action
Three months
Two months
One-month steps for a fee, 37 C.F.R. 1.136(a)
Six months from mailing, 35 U.S.C. 133
37 C.F.R. 1.7(a)