Current software 13.7 - Click software update and system says my software is up-to-date? Want ios 14

It typically takes a while to roll out since Apple manage release based on both capacity and geography.

There are billions of devices out there - imagine if every single one tried to download iOS 14 in the first minutes of its release.

Delete iOS 13 beta profile by going into settings> General> Profiles.

Restart and check for updates.

(worked for me)

If your iPhone, iPad or iPod touch won’t update - Apple Support