Why hasn’t iOS 26 come to me even though my setting say that my iOS is up to date ?

Open Settings > General > About > Model:

If you own any of the following they are very old iPhones and don't have the hardware required to run anything higher than iOS 15, which honestly shouldn't be a surprise, since they didn't get iOS 16, 1 7 or 18:

1. iPhone SE (first generation)
2. iPhone 6s
3. iPhone 7

Your phone will tell you that it is up to date if it is running the latest version of iOS that is compatible with it.

Since your phone is running the latest release of iOS 15 (15.8.5), and is telling you that it is up to date, we can infer that it must be an iPhone 6s, 6s Plus, SE (1st generation), 7 or 7 Plus. Whichever one of those it is, it is too old to update to iOS 16, 17, or 18, let alone iOS 26. (Why would you even ask about iOS 26 after you saw that your phone did not get the others?)

About iOS 15 Updates - Apple Support

As to what you can do if you want iOS 26, your only options are to

• live without iOS 26, or
• get a much newer iPhone

iPhone 11-series phones are the oldest ones compatible with iOS 26, but for them, this represents their sixth major iOS update, which makes it unlikely they will receive future iOS updates. It would make more sense to look at a 16-series phone, 17-series phone, or iPhone Air that is likely to have years of updates ahead of it.

If your iPhone isn't listed in the page after the link, you are stuck with what you have.

iPhone models compatible with iOS 26

Because the phone you have is not capable or running iOS 26. Since you provide no additional information as to your iPhone model, that is all we can say.

No one is psychic on this forum.

iOS 26 requires an iPhone 11 or newer. What model phone do you have?