Three negative pregnancy tests?

I haven’t had a period since September 18th. I was due for mine around October 20th? However i had protected sex on October 22nd. We did a bit of fooling around a couple of days before however. It’s now November 7th. I’ve taken three pregnancy tests, all negative.

I’ve used calculators telling me when I should test because i was worried maybe i tested too soon. Why is my period so late even though I have three negative tests? I’m experiencing cramping and swollen breasts, but those are normal PMS symptoms for me. Could my period be late because I am worried about it?