Verbseoul.
regular
카다kadato say that

To say to say that politely in the present tense, use 카요 (kah-yoh). Below is the full conjugation of 카다 across the three tenses and three everyday speech levels.

Conjugation table

TenseCasual (반말)Polite (요)Formal (합니다)
Present
kah
카요
kah-yoh
캅니다
kahm-nee-dah
Past
캈어
kah-ssuh
캈어요
kah-ssuh-yoh
캈습니다
kah-sseum-nee-dah
Future
칼 거야
kahl- -guh-yah
칼 거예요
kahl- -guh-yae-yoh
칼 겁니다
kahl- -guhm-nee-dah

Other useful forms

Command Polite (세요)
카세요
kah-sae-yoh
Suggestion / Let's Polite (요)
카요
kah-yoh
Question Polite (요)
카요?
kah-yoh-?
Connective “and” — (고)
카고
kah-goh
Conditional “if” — (면)
카면
kah-myuhn
Noun form — (기)
kahm