Could I Be??

So I am 3 days late on my period. My periods are usually pretty on point and I'm already heavily bleeding. I have been on the 5 year IUD for 2 years almost. I have not had it checked since being put in due to lack of insurance and money. I also have never checked the IUD myself. I checked it for the first time 2 days ago an I can feel the strings and I checked today and could feel them. The period calculater says I should start tomorrow but there isn't even a ting of blood when I wipe or even a darker color on the toilet paper... It's a pretty normal wipe... I have been overly emotional, irritatable, sensitive, moody,tired and wanting sweets which is not a normal thing for me.. I have been under a decent amount of stress lately. My other half friends and family say I should take a test bun I say I should wait intill Tuesday bc that would make me atleast 5 days late.. I need some bias opinions please!!