The coils on a refrigerator give off the heat the cabinet pulls out of the food. When dust and pet hair build up on them, the compressor runs longer to shed the same heat. Nothing about this is dramatic. It is the kind of upkeep that falls between people in a house, so the starting point is to say who owns it.
Name the owner. In most houses that is the adult who already runs the kitchen. Write the name on the appliance log or on the inside of a cabinet door where the next person will see it. A job with a name on it gets done. A job that belongs to the house waits.
Find the coils. On many refrigerators they sit behind a grille at the bottom front, behind a removable panel. On others they sit along the back or underneath. The owner's guide shows the layout. Switch off the unit at its outlet or its breaker before you pull the panel or reach behind the cabinet. Pull the unit out far enough to get behind it, and keep the power cord clear of the floor.
Clean from the top down with a long brush or the crevice tool of a vacuum, so the dust drops away from you. Do not use a sharp tool on the fins. Bent fins restrict airflow as much as dirt does. Wipe the floor under the unit, and check the drip pan if your model has one.
While the panel is off, look for fins that feel matted or grey, a fan that sounds louder than it did, sides of the cabinet that run warm, or a motor that hums without its usual cycling. None of these tell you what the unit's remaining life will be. They tell you the heat is not leaving easily, and cleaning is the step to take first.
Keep a short log. Write the season, the name of the person who did the job, and a line on what you saw. The log shows whether the unit has had steady care, which matters when you later judge its condition.
How often you clean depends on the house. A kitchen with pets, a dusty floor, or a unit beside a laundry area needs checking more often than a clean, closed kitchen. Let the coils set the schedule. When the dust returns quickly, the schedule is too loose.
For the age side of the plan, use the typical service life figures in the appliance service life ranking. Keep the coil log with the nameplate record and the other upkeep notes, and together they give your planning date a real basis.