Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-08-27

IELTS Writing Task 2 question

It is important for everyone, including young people, to save money for their future.

To what extent do you agree or disagree with this statement?

Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Student answer (Band 5.0)

There have been an argument among individuals if it is necessary for people to reserve fund for future use. Personally, i wildly agree that to set money aside for future is very crucial for the sake of unexpected emergency, investment, and retirement plan.

One of the reasons why i think people should save money is because of unexpected situations, when someone saves money and eventually finds their self is a very critical situation, they find it easy to handle because there is a place where they can lean on. I know of a man who loves saving money, he continued that way as he grew older and got married as time went on, his wife got pregnant then getting close to when his wife was to give birth, he lost his job and he started using the

AI examiner evaluation

Task Achievement / Task Response — Band 4.0

The response fails to meet the minimum word count requirement of 250 words, as it is only 137 words long. This significantly impacts the development of ideas. While you state your position clearly in the introduction, the essay is incomplete and cuts off mid-sentence. Because the response is severely under-length, it is impossible to fully develop the arguments or provide a conclusion. To improve, you must ensure you write at least 250 words by expanding on your examples and providing a balanced discussion that covers all aspects of the prompt. Currently, the task is only partially addressed due to the lack of completion.

Coherence and Cohesion — Band 5.0

The essay shows some attempt at logical organization, such as using an introductory paragraph and starting a body paragraph with 'One of the reasons'. However, the abrupt ending makes it difficult to assess the overall progression of ideas. Cohesive devices are limited; for example, you use 'One of the reasons' but lack further linking words to connect your ideas smoothly. Paragraphing is present, but the incomplete nature of the text prevents a coherent flow. To improve, focus on using a wider range of transition signals like 'furthermore', 'consequently', or 'in addition' to connect your sentences and ensure your paragraphs are fully developed.

Lexical Resource — Band 5.0

Your vocabulary is generally adequate for basic communication, but it lacks the range and precision required for higher bands. You use some repetitive phrasing, such as 'save money' and 'future'. There are also minor errors in word choice, such as 'wildly agree' (likely meant 'wholeheartedly') and 'reserve fund' (should be 'reserve funds'). To achieve a higher score, try to incorporate more academic collocations and precise terminology related to finance and personal planning. Avoid informal phrasing and focus on using a more varied vocabulary to express your ideas more effectively.

Grammatical Range and Accuracy — Band 5.0

There are frequent grammatical errors throughout the text that occasionally impede clarity. Examples include 'There have been an argument' (should be 'There has been an argument'), 'finds their self' (should be 'finds themselves'), and 'is a very critical situation' (should be 'in a very critical situation'). You rely mostly on simple sentence structures, and there is a lack of complex grammatical forms. To improve, focus on subject-verb agreement, correct pronoun usage, and the use of complex sentence structures such as relative clauses or conditional sentences. Proofreading for basic errors like these will help improve your accuracy significantly.

See this exact question answered at other band scores — the same prompt compared across bands.

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