AF is 5 days late

Blessed
Hi everyone. This is my first time posting here. 
My hubby and I had intercourse on feb15.. I started my period regularly on the 21st so I thought nothing of it. Then we had interviurse again on March 22 and 23.. I was due for my period on the 21st again and I still haven't started. I'm always super regular and I'm wondering if I could be pregnant? I took a test on the 23rd of this month and it came back negative. Could it have been to early or is it all in my head? Any opinions and/or similar experiences??