Clear Money Guide
What this state guide covers
A quick view of the questions, practical details and source notes below.
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Updated July 28, 2026. Quick answer: Yes. Kansas taxes IRA and plan distributions in full with no general retirement exclusion, so a Roth conversion is taxed as ordinary income at the state rate on top of your federal bill.
The same question for annuity payments: does Kansas tax annuity income.
The same question for military retired pay: does Kansas tax military retirement.
The same question for gains from selling investments: does Kansas tax capital gains.
The same question for ordinary 401(k) and IRA withdrawals: does Kansas tax 401(k) and IRA withdrawals.
Why a conversion is a different question from a withdrawal
Almost every state summary answers “how does Kansas tax retirement income?” That is a question about distributions. A Roth conversion is not a distribution in the ordinary sense — it is a voluntary election to recognise income now in exchange for tax-free growth later. Whether a state’s retirement exclusion reaches that election is a separate question, and it is the one that decides your bill.
There is no exclusion to argue about here, which at least makes the maths clean: the converted amount is added to Kansas taxable income in the conversion year.
Because the state cost is certain, the lever that matters in Kansas is when and how much — splitting a conversion across tax years, or converting in a year of unusually low income, changes the bill in a way that arguing about the exclusion cannot.
What Kansas does with the converted amount
State income tax: graduated, 2 brackets: 5.2% / 5.58% (top bracket starts at $23,000 single / $46,000 joint)
How Kansas treats IRA and plan income: Public pensions exempt: KPERS, federal civil service, military, railroad retirement. Private-sector pensions, 401(k), and IRA distributions fully taxable with no exclusion.
| Conversion | State tax at 5.2% |
|---|---|
| $50,000 | $2,600 |
| $100,000 | $5,200 |
| $250,000 | $13,000 |
Straight arithmetic at 5.2%, the lower bracket rate. Conversion dollars above $23,000 (single) or $46,000 (joint) of Kansas taxable income are taxed at 5.58%, and the sum ignores deductions and credits, so treat it as a rough guide rather than a filing figure.
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How our partner relationships workWhat to ask a preparer about Kansas
None on eligibility — it is taxable. Ask instead how splitting the conversion across two tax years changes the bracket outcome.
Converting around a move
Converting in the year you move into Kansas is the case that catches people. Residency at the moment of conversion is what generally determines which state gets to tax it, so a conversion executed a week before a move and one executed a week after can produce different bills.
Four separate taxes change when you move, not one: income tax on withdrawals, treatment of Social Security, estate tax, and inheritance tax. A state that looks good on conversions can be worse on the other three.
The state bill is the smaller half
Whatever Kansas does, the conversion is federal ordinary income first. The federal bracket you land in, and whether the conversion pushes you over an IRMAA threshold two years later, will usually move more money than the state line does. The state answer tells you whether to convert here; the federal answer tells you how much to convert at once.
Paying the tax from outside the account matters more than either. Using converted dollars to pay the bill shrinks the balance that was the entire point of converting.
Figures verified against the Kansas Department of Revenue 2025 K-40 instructions and KDOR Notice 25-06 on September 30, 2026; the K.S.A. 79-32,117(c) and 2024 Special Session SB 1 citations were not re-checked.
Sources
Authority: K.S.A. 79-32,117(c); 2024 Special Session SB 1 (KLRD summary); KDOR Individual Income FAQs.
Compiled from state statutes, session laws and revenue-department publications and adversarially verified in July 2026. Dataset confidence for Kansas: high.
This page states what the cited authority says. It is not tax advice, and a conversion large enough to matter is worth putting in front of a preparer who can see your whole return.
Nearby states
Where the conversion is taxed in full, the only questions left are how much to convert and what it costs you in total. The Roth conversion state tax calculator takes your rate and the amount, puts the state bill beside the federal one, and shows what actually reaches the Roth.