Late period, negative pregnancy test!

Bryony

I came off the pill 3 months ago, I’ve had two periods that both came perfectly on time. I’m now 4 days late. I’ve taken pregnancy test and all negative. I’ve had cramping and tender breasts but nothing has come of it. I presumed I would come on a day or so after the cramps but I have had nothing! I’m not sure if I’m just late or could be pregnant ?