Band 4.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 4.5 · Cambridge IELTS 19 · 2026-09-12

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 4.5)

In this essay we eplain that money saving is important for our better life in future. We gives the reasons on this topic with our point of view.

Therefore, money is very important for our better life in old age. Because if we were ill so these money is used for our medical facilities. And to buy ahouse for you parents and wife. And you give the best education to your childrens. Money take a very important role in our lifes. It is our responsibility to save money from our salary. If you know that this is not possible that yu save money you should buy a property on instalments and pay these instalments from you monthly income. After these instalments your property is your good wealth. If you want money in future so, you sale this full payment.

We disscus that why i was agree with this. When we are aged person so, we use those money that we asved in past. We use this money to buy anything o fulfil our needs without any hesitation. We also spend this money on our families for there best future and give him a good life.

In this paragraph we also disscus that why some people disagree with money saving for there future. There are many other reasons like if a person has minimum amount of salary so if they save money they could not fulfil their monthly needs. This is impossilbe for those people. Because if they live on a rented house so they have many monhly expenses like rent of house, electricity or water bills, house growsary, school feeses of their childens. There are many reasons that agree or disagree with this statement.

AI examiner evaluation

Task Achievement / Task Response — Band 5.0

The response attempts to address the prompt by discussing the importance of saving money for the future, presenting arguments both for and against the statement. However, the development of ideas is somewhat limited and repetitive, with over-reliance on basic examples such as buying a house or paying bills. The writer adopts a clear stance in places, but the overall structure of the argument is hindered by meta-language ('In this essay we explain...', 'We disscus that why i was agree with this') rather than direct argumentation. While all parts of the task are partially addressed, the depth of explanation remains restricted, aligning the response with a Band 5 descriptor.

Coherence and Cohesion — Band 4.5

The text is divided into four paragraphs, which shows an awareness of structural organization, including an introduction, body paragraphs addressing both sides of the argument, and a brief conclusion. However, progression is frequently disrupted by awkward referencing and mechanical cohesive devices, such as the repetitive use of 'Therefore', 'Because', and 'In this paragraph we also disscus'. Furthermore, paragraphing is unconventional, as the final paragraph introduces opposing views and personal circumstances in a somewhat disjointed manner. Cohesive ties are often inaccurate or inadequate, which impacts the overall logical flow.

Lexical Resource — Band 4.5

The vocabulary used is generally basic and repetitive, featuring frequent reliance on common terms like 'money', 'better life', 'future', and 'important'. There are notable attempts to use less common vocabulary, such as 'instalments', 'property', and 'expenses', but these are accompanied by frequent word-choice and spelling errors ('eplain', 'ahouse', 'childrens', 'sale' instead of 'sell', 'asved', 'disscus', 'groweary', 'feeses'). These lexical limitations and errors occasionally cause strain for the reader, although basic communication is generally maintained.

Grammatical Range and Accuracy — Band 4.5

The essay displays a very limited range of grammatical structures. Simple sentences dominate, and attempts at complex structures are frequently faulty, leading to ungrammatical constructions such as 'Because if we were ill so these money is used...' and 'If you know that this is not possible that yu save money...'. Errors in verb tense, subject-verb agreement, and articles are frequent throughout the response ('these money', 'a house for you parents and wife', 'when we are aged person'). These persistent errors can cause difficulty for the reader, fitting the criteria for Band 4.5.

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

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