Update
I have more than enough storage to update my phone & it’s still not letting me update it .
iPhone XR, iOS 15
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60.9 GB of 64 GB and things are still calculating. For all practical purposes, you are maxed out.
Message says you need 1.31 GB of available storage......but.....the update itself is another 3 GB or so and even more space is required for overhead.
Try updating by connecting the phone to a Mac. Then, start deleting data big time.