My phone will not update.

Hello. My question is how do I get my phone to update to the latest iPhone version?

I’ve read online and have tried everything.

my phone is connected to a charger at night. My phone is ALWAYS connected to WiFi. my internet connection is great. I have it preset to automatically update when an update is available. I have not had any issues with updates until recently. We have had the same internet company for 2 years.

for several weeks, the update says “estimating time remaining” and “update requested”. The iOS settings wheel will not stop spinning. It never allows me to hit “install”. Doesn’t even give me that option.

Please help. I cannot pair my Apple Watch to my phone unless I have this new update.