Early period or chemical miscarriage?

My cycles are almost 100% accurate. 28 days always get AF in the morning and usually on a Monday! My last cycle started nearly 5 days before schedule and in the evening. Why would this happen? Can early pregnancies miscarriage before your period? Just looking for some insight. We aren't aggressively trying to prevent pregnancy nor are we aggressively try to conceive we are basically just if it happens it happens. So sometimes we use protection some times we don't. I have a healthy two year old son, and this past November I have a silent miscarriage and now I am terrified. Thanks for answers.