As others have said some vehicles rely purely on mileage or hours of operating. Some have additional sensors, and/or additional calculations that go into oil life.
So the short answer is to change the oil soon.
That being said I have read several articles where they sent oil to a lab for testing at 0% oil life, and almost all of them came back saying the oil wasn’t too bad, and probably could have been ran for another 500-1000 miles without causing any harm.
However – regular oil changes are probably about the cheapest way to prolong the life of your engine.
My personal rule of thumb is when my oil life gets below 10% I start thinking about an oil change, and plan to get one done in the next week or two.
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