Possibly pregnant?

So, I had sex about 4 days ago. My period ended just a few days before that, so I know I most likely wasn't ovulating, but I also know that it could still happen. It's just very unlikely, but it's too late to take plan b, when would it be okay to take a test? Will I have to wait until I miss my period? I had white discharge the couple days after that and am still having discharge, it's just not so white. And I can't tell if it is cum or actually me.. and I have cramps like I'm about to start my period again..