Current renovation strategies for integrating dwellings into the energy transition often focus on building envelope insulation and energy system upgrades, but overlook the diversity in residents’ energy use. This oversight results in energy-saving gaps caused by prebound and rebound effects, which may hinder progress toward sustainability goals. To address this issue, this study evaluates two types of energy-saving measures through building performance simulations: occupant-centric (personal com-fort systems - PCS) and building envelope measures (insulation and window replacement) aligned with a wider range of residents’ heating practices (setpoint preferences and number of heated rooms). Energy efficiency and financial feasibility were assessed considering heating demands and renovation payback period. Findings reveal that the efficiency of proposed energy-saving measures depends significantly on res-idents’ energy use for heating prior to retrofits, with a significantly higher cost-effectiveness for occupant-centric measures. PCS, often excluded from conventional retro-fits, demonstrated energy savings comparable to deep envelope upgrades but with lower costs, being particularly beneficial for low-energy users, where prebound and rebound effects are most pronounced.