Fertile window

I’ve been tracking my cycle pretty consistently for awhile now, and I’m always pretty careful when my fiancé and i have sex around my “fertile window” time. I’ve never been on birth control and we don’t use protection. We’re not trying to conceive, but both open to letting it happen. Last week we were in the heat of the moment and he ended up finishing inside me. And when i looked at my cycle it was right in the middle of my fertile window, with a “high risk” of pregnancy. I know that there’re not much i can do but wait, but wondering if anyone else has experienced this, and what my chances of getting pregnant actually are.