YEARLY HIGH
1.3766 SEK
YEARLY LOW
1.3127 SEK
YEARLY AVERAGE
1.3478 SEK

2021 HRK to SEK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to SEK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 26, valuing the pair at 1.3766. Conversely, the yearly low was recorded on November 1, dropping to 1.3127.

This high-to-low spread represents a total annual volatility of 0.0639 SEK. From a start-to-finish perspective, comparing the January average rate of 1.3356 to the December average rate of 1.3669, the exchange rate registered a net change of 2.34% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.3766 was down 6.54% compared to the 2020 peak of 1.4729, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HRK based on timing:

Yearly Peak High 6,883 SEK
2020 Average 6,957 SEK
Yearly Trough Low 6,563 SEK
Transaction Impact: A difference of 319.61 SEK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.3704
1.3283
JanuMarcMayJulySeptNove

HRK to SEK Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 1.3414, compared to 1.3542 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0127 points.

H1 Avg (Jan–Jun) 1.3414
H2 Avg (Jul–Dec) 1.3542

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0639 SEK (High: 1.3766 / Low: 1.3127). On the other end, September was the most stable month, with a tight range of 0.0129 SEK (High: 1.3637 / Low: 1.3508).

November Spread (Volatile) ±0.0639
September Spread (Stable) ±0.0129

Growth Streaks & Declines

Trends

Between February and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.0196 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.0196

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 1.3411) against the same month in 2020 (average: 1.3529), the exchange rate shifted by -0.0118 (-0.87%).

2021 Avg (November) 1.3411
2020 Avg (November) 1.3529

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 1.3449 1.3265 1.3356
February 1.3439 1.3228 1.3318
March 1.3525 1.3323 1.3405
April 1.3570 1.3347 1.3434
May 1.3543 1.3408 1.3477
June 1.3644 1.3398 1.3495
July 1.3705 1.3525 1.3596
August 1.3744 1.3579 1.3628
September 1.3637 1.3508 1.3571
October 1.3549 1.3232 1.3374
November 1.3766 1.3127 1.3411
December 1.3755 1.3596 1.3669