iOS 15 and iPadOS 15 come out tomorrow!
To update your device, head to General>Software Update and tap download and install. Your iPhone will begin the update.
For more tips and tricks, follow the Apple wasteof.money account.
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Upgrading is up to you. With iOS 15, you can either stay on iOS 14 and get security updates, or upgrade to iOS 15 and get all the latest features.