Water change amounts are not governed by any schedule. Instead they are dependent on the chemistry of your tank. If stocking is low enough, you can cycle a tank quite nicely with very few large changes and only a few small ones, as Mike says he did. If you have followed typical fish shop advice on tank stocking, you will have far too many fish to be quite that easy going about water changes. You will be doing much larger and more frequent changes. If you temperature match the water and use an effective dechlorinator, there is no reason not to do a 95% water change when needed. The bacteria that we are growing live on filter surfaces and not in the water, so a water change does not disturb them at all. In my own case, I clone filters using mature media and often have a filter ready in less than a week. If I mess up and stock a tank before its filter is ready, I do daily water changes where I drain the tank until the fish are having a hard time finding enough water to swim in and refill with freshly dechlorinated tap water. The end result is my filter finishes cycling rather quickly and the fish are never exposed to harsh chemical environments. Every time I do one of my giant water changes, my fish in the tank perk right up. Instead of stressing them, they act as if I have given them a tonic.