No short answer here.
First, the "rule of thumb" is hit or miss. AMO states 3" shorter, recurve or longbow, but that's also hit or miss.
I've seen recurves that got a string anywhere from 2.5" shorter to 6" shorter than the bow length; longbows from 1.5" to 4" shorter.
This is after the string has stretched/been shot in.
How much total stretch/creep you get depends on several variables:
What material you are using--
polyester ("Dacron") stretches the most, Dyneema/Vectran blends stretch the least.
How many strands you are using
The draw weight of the bow--
Low strand count strings stretch more than higher strand counts, all else being equal.
How the string is made--
Flemish generally settles in more than endless if neither is pre-stretched. A poorly made string will settle more than a well made string, all else being equal.
Whether it was pre-stretched or not
With many materials, the temperature also makes a difference--some materials stretch more in higher temps. This will also vary depending on the other factors listed above.
The AMO explanation is here:
http://texasarchery.org/Documents/AMO/AMOStandards.pdf It's under "AMO Conventional Bow Length Standard", (page 3)