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The phrase "just speculation" is correct and can be used in written English in a variety of contexts.
For example, you could use the phrase to express doubt about an idea or theory: "We can't be certain whether the government's new plans will be successful, it's just speculation at this point."
Exact(60)
This isn't just speculation.
OK, this is just speculation.
That's just speculation, of course.
That was not just speculation.
'It's just speculation.
But that's just speculation.
That, of course, is just speculation.
That is just speculation, he says.
"That's just speculation," Ms. Hoffinger said.
(That last one is just speculation).
"There is not just speculation," he said.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com