Well, for me it's a matter of intuition after abut 25 years of experince in this hobby. I don't follow a set rules like the usual "inch of fish per gallon". I will depart from any established rule under different circumstances. However, these rules can serve as a rough guide.
Factors like tank size, type of fish, filtration, live plants, etc will affect how many fish I will place in any given set-up. For example, with an AquaClear 150 on a heavily planted 10 gallon tank with regular weekly water changes, I wouldn't hesitate to put 15-20 neons in there, whereas conventional thinking might suggest that this tank is overstocked.
Monitor your water parameters regularly, and that will tell you a lot about your water quality, and whether you have too heavy of a bioload. I would urge regular water changes under any circumstances, moreso on set-ups that have heavier bioloads.