I found one word soliloquy but its meaning lies in "act of speaking", where I want the meaning to be more general like just talking to your self, whether loud or silent. Also soliloquy is drama jargon, I want a common generic word.
Soliloquy is your ‘more general like just talking to yourself, whether loud or silent’ Both are quite distinct from a definition that might start with ‘act of speaking…’ but continues as ‘an act of speaking one's thoughts aloud when by oneself or regardless of any hearers…’
The clue is the ‘sol’ from late Latin soliloquium, from Latin solus ‘alone’ + loqui ‘speak’. even ‘a part of a play involving a soliloquy.’
That it often refers to 'a part of a play involving a soliloquy' or even even ‘a part of a play involving a soliloquy’ doesn't make it drama jargon… ask for instance https://www.google.co.uk/search?q=soliloquy&rlz=1C5CHFA_enGB718GB718&oq=soliloquy&aqs=chrome..69i57.1158j0j7&sourceid=chrome&ie=UTF-8
There's a polish word for it, i think it's juskah or something like that, (sorry I've only ever heard it be said, not seen it written down,) but basically it stands for "the hypothetical conversation that you convusively play out in your head" I really hope you read this and it's not too late to let you know