How can I upgrade if it doesn't show in my Apple system menu?
Can I upgrade from Catalina to Monterey on my iMac desk model?
iMac 27″, macOS 10.15
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iMac upgrade: (NOT iMac Pro which 2017 and later can be Monterey)
The model year of an iMac is available at Apple menu > About This Mac.
A late 2012 through late 2013 iMac can be upgraded to Catalina 10.15.7 but no later. See: How to get old versions of macOS - Apple Support
A mid 2014 and late 2014 can be upgraded to the latest version of Big Sur macOS 11 but no later. See: How to get old versions of macOS - Apple Support
A late 2015 or later can be upgraded to the current version of Monterey macOS 12. See: How to upgrade to macOS Monterey - Apple Support