Almost all the current versions of Windows do not upgrade your XP but wipe out and start over. The issues of installing a current Windows onto old gear is well discussed so I won't repeat that. Here's a good article about this.
There's some better ideas later.
Have been using XP for 10 yrs, am age 79, would like to know what is best next. I email friends & family, play few games, dnld pics, do several survey sites, bank online, etc, what suggestions to upgrade to w/ XP going out as far as updates