I'm surprised that someone doesn't make a simple manometer to measure the air pressure loss across the filter. It seems like it would be a lot more objective than holding the filter up to the light.
Well, somewhat like that...
The smaller furnace/AC I installed I used a Honeywell F200 media air cleaner with the remote status option. The front cover removes to access the 20" x 25" x 4" pleated media filter. In that cover there is a pressure differential sensor, and a low power transmitter powered by a CR123 battery. Mounting by the thermostat is a small remote indicator box with receiver and simple LCD display, also CR123 powered. If the pressure drop across the filter exceeds X inches of water column ("WC), the status changes. Also has a one-year timer in it, battery status, etc. I forgot what the "WC is to trigger it, it's in the manual. I usually use a MERV 11 or 12 filter in it. We've never gotten a filter in it dirty enough to trigger it.
I replace the filter every two years in the spring, on even-numbered years. The filter is large area-wise for the size of furnace. I chose it on purpose, as 20" x 25" x 4" is also the size of the Honeywell electrostatic precipitator I installed when I installed the big furnace/AC. If for some reason I should ever decide to quit using the precipitator, I can unplug its HV power supply cord, pull out its cells and pre and post filters, and slide in a same-size media filter.
A note to others... "Electrostatic Precipitator" was the original name for the concept, and I still use that name. Later it was changed to "Electronic Air Filter", as I guess E-P sounded too threatening.
Like Nuclear Magnetic Resonance, now "MRI" (Magnetic Resonance Imaging). Like "Computer Axial Tomography" shortened to CAT scan, replaced with "CT scan". Don't make people think they are being cut in half axially slice-by-slice