Heat pump
A year’s space-heat demand from floor area and a rough insulation class, then electricity at a chosen SCOP versus gas.
Open a calculatorkWh = U × area × temperature difference × hours / 1000. U is W/m²K. A 1.1 window is a typical double pane; a 2021 wall is far lower. Wind, thermal bridges and solar gain are not in the figure.
Cost of that loss: 1,980 zł
5000 hours at 20 K is a rough heating season, not your weather file.
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An educational estimate. Not medical, tax or credit advice.