| Simple | Progressive | Perfect | Progressive |
| Present |
| I speculate |
| you speculate |
| he/she/it speculates |
| we speculate |
| you all speculate |
| they speculate |
|
| I am speculating |
| you are speculating |
| he/she/it is speculating |
| we are speculating |
| you all are speculating |
| they are speculating |
|
| I have speculated |
| you have speculated |
| he/she/it has speculated |
| we have speculated |
| you all have speculated |
| they have speculated |
|
| I have been speculating |
| you have been speculating |
| he/she/it has been speculating |
| we have been speculating |
| you all have been speculating |
| they have been speculating |
|
| Past |
| I speculated |
| you speculated |
| he/she/it speculated |
| we speculated |
| you all speculated |
| they speculated |
|
| I was speculating |
| you were speculating |
| he/she/it was speculating |
| we were speculating |
| you all were speculating |
| they were speculating |
|
| I had speculated |
| you had speculated |
| he/she/it had speculated |
| we had speculated |
| you all had speculated |
| they had speculated |
|
| I had been speculating |
| you had been speculating |
| he/she/it had been speculating |
| we had been speculating |
| you all had been speculating |
| they had been speculating |
|
| Future |
| I will speculate |
| you will speculate |
| he/she/it will speculate |
| we will speculate |
| you all will speculate |
| they will speculate |
|
| I will be speculating |
| you will be speculating |
| he/she/it will be speculating |
| we are speculating |
| you all will be speculating |
| they will be speculating |
|
| I will have speculated |
| you will have speculated |
| he/she/it will have speculated |
| we will have speculated |
| you all will have speculated |
| they will have speculated |
|
| I will have been speculating |
| you will have been speculating |
| he/she/it will have been speculating |
| we will have been speculating |
| you all will have been speculating |
| they will have been speculating |
|
