How to tell him I'm pregnant?... 😩

We both want kids in the future, we talk about baby names all the time. But I'm not finically stable enough yet and he wants to wait until he's finished school and that's atleast another year. We had a scare once and he got so panicked and scared that I thought he was going to explode.  But we have unprotected sex, he knows the risks. We even track my most fertile days using this app! I know this pregnancy was conceived on a 26% day, he knew it was a high day and we still had unprotected sex. So I mean, what did he expect? 
How do I tell him that I'm pregnant? Any tips? What exactly should I say? I have a few days before he is back in town and I want to plan this perfectly. All that said I don't even know if I want to go through with the pregnancy myself.Â