In this thesis an energy and economic analysis of the heating, cooling and DHW systems of a family house in Zagreb, whose net surface is 108 m2, was carried out. The energy properties of the house meet the Technical Regulation on the rational use of energy and thermal protection in buildings. 5 different versions of the system with heat pumps and direct electric heaters were selected for analysis. In the first step, the design heat load of the house was calculated in IntegraCAD, in accordance with HRN EN 12831 and VDI 2078, with 4,901 kW in the heating season and 5,818 kW in the cooling season. Afterwards, the calculation of the annual energy required for heating and cooling of the house was carried out in Microsoft Office Excel using the simple hourly method taken from HRN EN 13790, and it amounts to 37,47 kWh/m2 for heating and 40,67 kWh/m2 for cooling. A daily DHW consumption profile of 200 l/day for a family house with 4 people was also assumed, and the annual energy budget for the preparation of DHW was integrated into the hourly method and it amounts to 35,38 kWh/m2. A model was developed in Microsoft Office Excel using linear regression with polynomials that calculate COP and EER values of heat pumps for any operating condition. The obtained model was integrated into a simple hourly method and based on it, the consumed electrical energy of the selected systems was calculated in each hour of the year. After collecting empirical data on the installation costs of individual systems, using the selected tariff model Bijeli from the website of HEP Elektra d.o.o. the price of 1 kWh of electricity is determined in a higher daily and lower night rate. At the end, the total costs of installation and operation over a period of 20 years were calculated. The analysis of the results showed that the most efficient and favorable in terms of environmental impact is the system with an air-to-water heat pump for heating and DHW preparation and an air-to-air heat pump for cooling. The most cost-effective system is the combination of an air-to-air heat pump for heating and cooling and an electric heater for DHW preparation.