There are factors like poor Wifi connection, slow wifi connection, too many other people downloading at the same time and Apple Severs are overloaded, Software on the computer interfering with the download process, running behind a VPN and or / if via wifi too many Other devices using the wifi at the same time reducing the Bandwidth to you computer.
Best Results are via Ethernet Cable to Router
It will take some time and several pauses will occur - normal. Countdown clock may say 15 minutes but in Real time may be 30 minutes. Same goes for clock at 10 minutes could be 20 minutes in Real time. Eventually , Full Installer will download and a New Application in Applications Folder will present called Install Big Sur. Stop there and perform a Time Machine Backup. If desired - have an External Drive - Copy & Paste the Install Big Sur Application to external drive for future usage - making a Bootable Installer. Now run the Installer.