Ok, everyone has made fair points. I think you could use the 1" of fish per gallon if you use the fluval 1, if you get a fluval 2, you could probably have a few more fish.
im not as experienced as some here, I've only been keeping for 2yrs.
Listen to mark and sam. You could go with 5 neons, 3 pygmy's and 2 honey's. Thats 10" of fish.