when should i have sex?

my boyfriend and i have been dating for almost a month. i’m 15 and he’s 16 (almost 17) and it’s gotten pretty heated but he’s just seen my boobs but he rubbed my clit over my pants. i don’t think i want to have sex until i’m 16 (which is in april) but he turns me on so much. my parents would not be happy AT ALL to know i had sex before marriage. how long should i wait to have sex.