First, I assume you do not have a whole lot of equipment. I also assume that you have either calibrated your exposure or are happy with the ISO speed for the film. Development is largely a matter of getting the contrast right. Generally, there is a quite a bit of latitude in development time that will still give you usable results. You want to find the development time that gives you whites (the darkest part of the negative) that you can just barely read printed type through. The lower values will pretty well take care of themselves. For a test subject, you want something that will give you a fair chunk of glaring Zone X white along with an area giving a full range of contrast. A reflection step tablet, gray card, and a very white piece of paper will do pretty well. For a starting development time, look either at the same film in developers similar to the target or similar films in the same developer (or both). Expose a test shot and develop it for the guessed time. Look at the result. Can you see the deepest shadow (dark spot on the step tablet)? If not, adjust your exposure and try again. How does that white paper look? If it is too black to see through, try developing for 15 percent less time. If it doesn't look dark enough (or just if you are uncertain, which will probably be the case), try 15 percent longer. Keep adjusting until you get a good Dmax. Then go out and take a few pictures, develop them for the time you have determined, and print them. If they print well on grade 2 or 3, you have the right development time. If you need to go to grade 4, try 15 percent longer development; if you need grade 1, try 15 percent less. It's easiest and cheapest to do the tests with sheet film or maybe short (10 exposure) rolls of 35mm, but use whatever you have available.
A less formal way of doing this, which still works for a lot of purposes, just starts with taking a roll of pictures that you don't care about. Develop them for the guessed time, print them, and look at the results. If you get good prints on grade 2 or 3, you have a decent development time; otherwise you need to adjust as above.