Signs it's going before the indicator says so
A filter-life indicator, where a system has one, measures throughput against a rated capacity — gallons or months, whichever comes first. What it can't see is your specific water and habits, so treat every indicator as a reminder to go check, not a verdict. Four signals catch a failing part before the counter does, each pointing at a different component.
A TDS ratio that's drifted, not just a reading. A single total-dissolved-solids reading from the RO faucet means almost nothing alone — it's only meaningful against a baseline. Measure feed water and product water, compute (feed − product) ÷ feed, and compare against the reading taken when the membrane was new. A ratio that's fallen from the high 90s into the 80s and stays there after changing the pre-filters is the membrane talking, not a fluke.
Flow falling off before the display admits it. On a tank system, the tank takes noticeably longer to recover after a draw. On a tankless system, time how long it takes to fill a known volume against the rated flow on the spec sheet. Falling flow usually means a clogged sediment stage rather than a dying membrane — the cheaper cartridge, and catching it early keeps it from becoming a membrane problem.
Taste changing while the counter still shows life left. Taste is almost always a carbon-stage story, not a membrane one — carbon exhausts silently rather than clogging visibly, so a returning chlorine note means the carbon is spent regardless of what a gallon counter says. Water that tasted clean one season and stale a few months later, on a filter with capacity left, is the textbook exhausted-carbon symptom.
More waste water for the same draw, or water that runs cloudier before clearing. A rising ratio of drain water to product water, or product water slower to run clear, both point at scale or fouling building somewhere in the stack — worth cross-checking against what your system's rated ratio is supposed to be.
None of this requires a lab. A cheap TDS meter, a stopwatch, and attention to taste and clarity catch a failing membrane or spent carbon well ahead of a counter that only knows gallons, not your water.