Late or pregnant?

Hi all,

I came off the contraceptive pill in July and I've had regular periods in Aug, Sept, Oct, Nov and Dec with a cycle of 28 days. My husband and I have only recently properly started to try.

I am now 3 days late. I took a pregnancy test (mid afternoon) 2 days ago but was negative. I've still got no signs that AF is coming so I don't know if I'm just late or possibly pregnant.

Did I just test too early (if AF doesn't show up by Sunday - a week after I was due, I'll test again) or am I just oddly late?

Seems strange to me that I've been so regular over the last few months and now nothing. I am not stressed, over exercising etc.

Thank-you in advance for your opinions.