The article is devoted to features of household financial behavior at the macroeconomic level. The aim of the article is to explain this household behavior through the behavioral financial effects. Thanks to a comprehensive study of scientific publications, it has been found that there are practically no works on the macroeconomic analysis of behavioral qualities. Much attention is given to analysis of statistical data from Rosstat and the Central Bank of the Russian Federation for 2008-2020. The wide range of indicators is used to show the financial condition of households and identify the features of their behavior in Russia. In conclusion, it is evident that this study has shown the deviation of Russian households from a rational model of behavior. They financed consumption with loans, while actively creating savings. As a result, a situation of stagnation has developed with a significant increase in the credit load.