YEARLY HIGH
3.3000 PLN
YEARLY LOW
2.8964 PLN
YEARLY AVERAGE
3.0795 PLN

2021 CAD to PLN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the CAD to PLN exchange rate experienced significant fluctuation. The market reached its absolute peak on November 23, valuing the pair at 3.3000. Conversely, the yearly low was recorded on January 6, dropping to 2.8964.

This high-to-low spread represents a total annual volatility of 0.4037 PLN. From a start-to-finish perspective, comparing the January average rate of 2.9288 to the December average rate of 3.1890, the exchange rate registered a net change of 8.88% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 3.3000 was up 9.50% compared to the 2020 peak of 3.0138, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 16,500 PLN
2020 Average 14,524 PLN
Yearly Trough Low 14,482 PLN
Transaction Impact: A difference of 2,018.31 PLN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

3.2738
2.8965
JanuMarcMayJulySeptNove

CAD to PLN 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 3.0190, compared to 3.1400 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1209 points.

H1 Avg (Jan–Jun) 3.0190
H2 Avg (Jul–Dec) 3.1400

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.1774 PLN (High: 3.1488 / Low: 2.9713). On the other end, July was the most stable month, with a tight range of 0.0487 PLN (High: 3.1061 / Low: 3.0574).

March Spread (Volatile) ±0.1774
July Spread (Stable) ±0.0487

Growth Streaks & Declines

Trends

Between September and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0534 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0534

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 3.2424) against the same month in 2020 (average: 2.9016), the exchange rate shifted by +0.3408 (+11.75%).

2021 Avg (November) 3.2424
2020 Avg (November) 2.9016

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 2.9650 2.8964 2.9288
February 2.9605 2.9082 2.9279
March 3.1488 2.9713 3.0768
April 3.1137 2.9995 3.0504
May 3.1168 3.0332 3.0713
June 3.0991 3.0247 3.0590
July 3.1061 3.0574 3.0822
August 3.1193 3.0356 3.0802
September 3.1379 3.0113 3.0634
October 3.2211 3.1232 3.1827
November 3.3000 3.1845 3.2424
December 3.2148 3.1629 3.1890