Fantasizing about a man

If a unmarried girl imagines having intercource with her future husband, is she sinful? She is not engaged yet. She doesn't imagine any face of a man and doesn't imagine any private part of a man. She just think that she will wear a western dress and present herself to her husband. And she imagine her husband will play with her private parts. She does not touch her private parts during imagination. She just fell on the bed and started imagining that she is with her future husband. Does this count as masturbation? She does this practice once a day. She reaches her climax point during the imagination. Is she doing a haraam? Her parents are trying to get her married but not success yet.