I had tanks for years before I finally figured this out. While everyone has their own ideas, your tank will vary according to bio-load, water parameters, plants, lighting, size, etc. If you have many tanks, the need for water changes can vary between them.
So to figure this out I purchased a master test kit. Then for the next 6 months I recorded everything about my tanks: test results, filter cleaning, temp, and my water change amount and date it was done. What I found with my tanks at the time is that I had low bio-load and good filteration so monthly 20% water change worked fine to keep my tanks in good balance. In my case it was just to lower the nitrate levels to less than 10.
This at least gives you a base. From time to time check yourself by doing random tests and see if you get the results you expect. If you increase the bio-load, change filter types, or make other changes you adjust your maintenance based on that, and run another batch of tests.
So as others said before, go get the master test kit and go from there. It can be confusing based on what others do. The way I did it really made it easy for me and my fish loss is mostly from fish that die from old age. Hope that helps.