Phones lie about being at 95-100% charged, because it's bad to keep charging them when at 100%, it stops, waits for it to go down over hours, and charges again.

But then people complain it's not charged to 100% even though they left it charging all night, and because it's easier to lie to people than teach them stuff, they lie.

Phones reporting 100% charge are usually at around 97%:

https://www.androidauthority.com/how-long-phone-charge-30646...

In old Android phones you could even get those additional 3% by unplugging at 100%, seeing the battery immediately go to 97% and then plugging again. My old Galaxy S4 Mini would even report 94% in such cases - I originally found out about this due to this discrepancy.

The iPhone gives you more of a "gas tank" indicator, as in that 1% charge left is actually closer to 10-15%. Same with 100% - hell knows how much it really is.