Did you use the u-value calculator? There is a lot of information in there; you can even calculate the payback period if you know how much the measure costs per m², from when to when you heat, the costs for heat generation, and the price increase. So for you maybe €7 per m² based on the area being 100m². With that, you can probably use 160mm insulation. + other ceiling construction as specified (except that I added 3cm mineral wool to the screed because of the tool). Heating for a warm apartment, from O to O 10% price increase and 10 cents for 1 kWh heat calculates a payback period of 1.8 years at 140mm insulation also 1.8 years 140mm energy saving 35kWh/m² 160mm energy saving 37kWh/m² 200mm energy saving 39kWh/m² 220mm energy saving 40kw/m² 500mm energy saving 45kWh/m² (payback period 1.4 years) Calculated with rough data; if you can enter your planned setup exactly and know the data for the calculation, it is very easy to find out relatively accurately whether, when, and by how much it pays off (could). For a free tool, an absolute recommendation that you can safely look at for such a project