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The closer you get to the end of the fixed term the lower the exit costs are going to be, beyond that it's anybodies guess. I do suspect it's a fairly linear relationship however. Whilst there's some obvious parameters to calculating fixed rated, the value of those parameters aren't disclosed...

How quickly are you saving money? I presume you're about to exceed the $30k limit? Beyond that, there's probably not much you can effectively do than put the money into something with a reasonable return until the fixed rate expires.