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You'll know when its cycled when you have a consistent reading of 0ppm ammonia and 0ppm nitrite. Nitrate levels will vary based on bioload, whether its planted or not, and how often you change the water (<60ppm is fine, <20 is optimal).
Until you're able to buy a master test kit I would advise you to do at least a 25-30% PWC daily, and even more if your fish look stressed, if you have fish. If you don't have fish it's not as important to have one until you are ready to add fish. But to add fish to a safe tank you will need a test kit to know for sure if your tank is cycled.