I don't recommend 20% water change per month only for the next forever. If you do decide to go that route use
RODI water and adjust it as needed for the plants and fish you keep. By doing thar you won't be accumulating while topping off for evaporation and you won't be depleting over time either.
I know people are going to sat "no water changes!" but other things are done in order to refresh nutrients, and stave off concentration of lesser used nutrients and keep it in balance.
In example a heavy planted tank will eat up
nitrates nitrites and
ammonia what it won't do is add enough nutrients to keep that going without adding to it. You add fish to add waste that will break down into nutrients but too much and you start to polute.
All the while water is evaporating, and you'll be topping off. If using
tap water, it's coming with nutrients built into it. Add, evaporate, add evaporate, soon enough it's building up on you which is why you'd need the plants. If one nutrient depletes, the plants won't do well and if too much the fish won't do well so it's all about keeping a balance.
Hope that makes sense. Honestly it's just easier to water change.
"No or small water changes" doesn't exist just like fish living long lives In a puddle don't work either unless it keeps on raining.
You can do no water change or minimal water changes but you'd need to take measures that maintain the right balance. Slacking at some point will lead to failure.