If you are doing Cat5e/6 gigabit and your PC auto negotiates to gigabit then your data pairs are terminated correctly. If it auto negotiates to 10/100 or doesn't work at all your data pairs are out of order or incorrectly terminated.
If a file copy of a large file hits max speed, and wireshark or netstat -s shows lower TCP retransmissions (0.5% or lower is acceptable), then the wire is good. The larger the file you copy the higher the guarantee is that the cable is good.
If you need to test the non data pairs (applies to 10/100 ONLY not gigabit which uses all 4 pairs), then you will need either a tester (which tests continuity), or a certifier (which is expensive). Some certifiers only test continuity on the non data pairs anyway, so if you do the same thing it is NOT the end of the world.
Cable certifiers make finding the issue quick and easy, and make testing much quicker then a PC. They completely eliminate the possibility of PC hardware issues from the equation. The downside is the price, especially for SOHO or hobbyists.
However there are some specialized PC based testers like NetPi turning up, if you are not sure where to start as far as what software to use, and how to use it.
Passing Cat6 can be hard, if there are any kinks, nicks, etc. Also if you punch down to a keystone keep the wire twisted as close to the keystone as possible, if you untwist it too much it won't pass. Cat5e cert is good enough for gigabit, so most people are fine with this in SOHO and Hobby. But if you are charging or going to be charging people for Cat6 certified, then it should certify as Cat6.