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The proposal would raise the top income-tax rate to 39.6% from 37%. A single filer with more than $400,000 of income in 2022 would pay that rate. However, the $450,000 income threshold for married couples filing a joint return isn’t much higher. (It’d have to be double, or $800,000, to avoid a marriage penalty in this context.)

(Currently, a single filer with more than $523,600 of income pays the top rate, compared with $628,300 for married couples.)

“There’s clearly a bigger marriage penalty,” Leon LaBrecque, an accountant and certified financial planner at Sequoia Financial Group, said of the House legislation.

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The penalty’s impact would extend beyond income tax on wages. A new 25% top federal tax rate on investment income (from appreciated stock and dividends) would also kick in at the $400,000 (singles) and $450,000 (married) levels in 2022.

“It’s not everyday Americans [who’d be affected by the change],” Paul Auslander, a CFP and the director of financial planning at ProVise Management Group, said of the income range. “It’s pretty high.”‘

Depending on the couple, the change could amount to several thousand dollars of extra tax per year, he said.

“That’s not chump change,” he said. “It’s not going to break anybody, but it’s an annoyance.”