Without a microscope/jewelers loupe it's hard to say. You always want to check the trichome heads and then cut according to your liking. (More cloudy = more mental high, more amber = more body high, couchlock effect, if you will)
Trichomes have 3 states:
Clear: "raw" or "non developed" - No effect
Cloudy: Peak THC concentration - Mental/Head high
Amber: THC oxidizing or maturing into CBN - Body high
If you don't own any of the tools mentioned above, you could try zooming as much as you can with your phone and taking an educated guess using whatever you can see! A sign of maturity I can say you plant is showing is almost all of its pistils or hairs turning yellow/browning, this alone (the coloring of the pistils) is a sign of bud maturity, yet it's not 100% final.
See what you can do to check those trichomes and take into account the ratios you want! I usually cut between 90% cloudy and 10% amber (some heads might stay clear, it's no problem).