PMS or pregnant?

Katie
I'm probably way overthinking this, but here goes...
Currently I'm 9 DPO and took a FRER today that was negative. I know this is early to start testing, but I decided to try anyway since I've been having swollen/tender breasts, fatigue and bloating for the last 3 days. These are all normal symptoms for me before AF but it usually doesn't happen for several more days. If I am pregnant, wouldn't I have enough hcg to register on a pregnancy test if I'm already experiencing symptoms? Or is it more likely that AF is just coming earlier than usual?
Any help or thoughts would be appreciated!