And just to add to the opinionated bit.
The amount of fish you can keep in a aquarium is largely down to bioload, which is the amount of waste all your fish produce. More fish equals more bioload. Messier fish equals more bioload.
The nitrogen cycle takes that waste (ammonia) and turns it into nitrate. In most aquariums that nitrate stays in the water until you remove it with your water change.
The amount of nitrate fish can toletate is a matter of opinion. An upper figure of 40ppm of nitrate is commonly quoted, 20ppm is more commonly given nowadays, some people will say 10ppm or even lower. Many people keep fish just fine at higher nitrate levels than 40ppm. What you are prepared to accept is something you will have to decide for yourself, but lower is better for fish. Nitrate is toxic, just less toxic than ammonia and nitrite. And some fish are able tolerate more nitrate than others.
What we can say is that if you are doing a 50% water change every week, and you arent able to keep your nitrate below whatever figure you have decided is safe then you are overstocked and should consider reducing the number of fish or moving them to a bigger aquarium. What will tend to happen is that people will put however many fish they want to keep in an aquarium, and if they look at what their water parameters are, thats what they decide they are happy to accept for as long as they dont observe any problems.
A tool like aqadvisor has a built in upper limit for nitrate, i dont know what number they use but its probably around 20ppm. They make an assessment on how much bioload each species of fish has. Does a bit of a calculation and gives you a water change schedule. At somewhere around 30% weekly water change it says you are fully stocked. That's why people say its conservative because you can change 50% of the water and keep your nitrate levels lower than a 30% water change would achieve. Or in planted tanks, the plants will take up some nitrate and aqadvisor makes no allowance for planted tanks. Aqadvisor also gives you some guidance on fish compatibility as well as filter capacity. My understanding is that the functioning of the site is regularly updated as they gather and plug in more information behind the scenes. Its a useful tool, but not infallible.
I tend to look at the water change schedule it gives rather than the estimated stock %. Im happy doing a weekly 50% water change, so if it says thats sufficient im good with that regardless of what stock % it says im at. If you want less water maintenance and only want to do 25% water change every 2 weeks, then thats the figure you should be looking at from aqadvisor. Or you may decide that your aquarium looks overcrowded when its stocked fully. You dont necessarily need loads of fish for an attactive aquarium. I think this is my most attractive aquarium, its 57 litres, and is quite lightly stocked with guppies, a honey gourami and shrimp. I decided the aquascape and planting was going to be the centrepiece rather than the fish.
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