I agree that your tank just isn't big enough for goldfish or koi. A common myth is that a fish will only grow to the size of its container, which isn't true. The truth is that a fish will die young in a container that is too small, rather then grow out of it. Before I knew what I was doing I had a tank with goldfish that was just a little larger than yours. The fish died within months, and I just assumed that it was how long they lived. Turns out, they can live for 20+ years when properly taken care of.
Also, in a tank that small you can't have a lot of guppies. If you want them to breed you'll have to have something to do with the surplus offspring, you can't just leave them in the tank. Another option is to buy just males or just females, some LFS sell them separately.
I have a question, what have you done as far as cycling?
I wish you good luck with your tank, and welcome to the forum.