Should You Upgrade Your Late 2015 iMac from Catalina to Monterey?
The short answer is that a Fusion Drive does not automatically mean your iMac will slow to a crawl after upgrading to Monterey.
There is some truth behind the concerns you have read, but the situation is not quite that simple.
Your iMac has a 4.0 GHz Quad-Core Intel Core i7 processor, 16 GB of RAM and a 1 TB Fusion Drive. That is still a capable configuration for everyday computing.
If it's currently running Catalina smoothly, there is ’no reason to assume Monterey will suddenly make it unusable.
1. Your Fusion Drive combines two types of storage:
- SSD (flash storage): Fast storage for frequently accessed files and applications.
- Traditional hard drive (HDD): Provides greater capacity but is considerably slower.
macOS manages both components automatically, moving frequently used data to the faster SSD.
The Fusion Drive is slower than a full SSD, but this limitation already exists with Catalina. Monterey does not automatically make a healthy Fusion Drive perform worse.
Some users experience slowdowns after upgrading because of background indexing, iCloud synchronization, limited free storage or an ageing mechanical hard drive.
The condition of your existing Fusion Drive is therefore more important than simply having Monterey installed.
2. Yes. Apple officially supports macOS Monterey on the 27-inch Retina 5K Late 2015 iMac (model iMac17,1).
Monterey is the newest officially supported major macOS release for this model.
Your processor and 16 GB of RAM are adequate.
The main consideration is the performance and condition of the Fusion Drive.
- I would recommend three simple checks:
A. Check the Fusion Drive
Open Applications >> Utilities >> Disk Utility.
Select View >> Show All Devices and run First Aid on the relevant volumes and containers. Look for reported errors or SMART warnings.
B. Go to Apple menu >> About This Mac >> Storage.
Ideally, have at least 100–150 GB of free space before upgrading. The are approximate numbers.
C. Create a complete Time Machine backup to an external drive before making any changes.
If your iMac already experiences frequent spinning beachballs, slow application launches or unexplained delays, investigate those problems before upgrading.
4. If you decide to install Monterey, consider using an external SSD connected through your iMac's USB 3.0 port as your startup disk.
This can provide:
- Quicker application launches.
- Better overall responsiveness.
- Less dependence on the mechanical hard drive.
You do not need to open the iMac or replace its internal Fusion Drive.
A good external SSD can make a noticeable difference to everyday performance.
5. My recommendation
There is one important consideration: as of November 2026, Monterey is no longer receiving regular security updates. Its final release was macOS 12.7.6, released in July 2024.
Since Monterey is the newest officially supported macOS version for your iMac, I would consider the following:
- If Catalina is running well, don't rush to upgrade.
- Check the Fusion Drive's health.
- If you need Monterey for application compatibility, consider installing it on an external SSD.
- Always make a complete backup first.
I would not be particularly concerned about your iMac's processor or 16 GB of RAM. They are still reasonable specifications for everyday use.
The Fusion Drive is the potential bottleneck, but that does not mean it is necessarily a problem.