when to say i love you?

so me (22) and my gf (20) have been dating for almost 6 months and we still haven’t said i love you to each other. i know it’s different for every couple and there’s not fixed timeline for it but since i guess one of the reasons i myself have not said it is bc we haven’t met each other in person yet. but i definitely do love her and im 99% sure she loves me and i feel like the only reason she hasn’t said it either is bc she’s waiting for me to say it first. i always catch myself thinking “damn i could say it now it’s a perfect time” but i stop myself bc it’s kind of a heavy thing, there’s still a chance she might not feel the same.

so my question is, is it weird to not have said i love you yet? if so when’s a good time? bc i thought about valentine’s day but i didn’t wanna force it just bc it was valentine’s day. or maybe i’m just thinking to much about.