Band 4.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 4.5 · Cambridge IELTS 19 · 2026-09-23
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)
Money is the main part of life without money everyone can not survive in their lives. Some people save money for their future and beleive that is very essentail for future difficulties.I also agree with this.
On the one hand, Every person is busy to earn money for enjoy a better life style. They work mid and night to achieve their goals. Saving money is beneficail. For instance my cousin started their own buiness in 2005 and also saved alot of money. Recently he was in serious trouble luckily he used his own saving on that challenging time.
Some inividuals beleive on this type of stragety, Even they do not spend money on Personal things that is very useful for them.
There drawbacks as well as if we always remain busy in making and collecting money for future we remain live alone. Furthermore money can not buy happiness.
We can not say that saved money for their next life is wrong. It is beneficail if we use money in modration. In addition the weath spend on needy ones.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 4.5 |
| Coherence and Cohesion | 5.0 |
| Lexical Resource | 4.5 |
| Grammatical Range and Accuracy | 4.5 |
| Overall | 4.5 |
Task Achievement / Task Response: Band 4.5
The student addresses the prompt by stating an agreement with the idea that everyone should save money for the future, presenting some relevant ideas such as using savings during a business crisis. However, the response falls severely short of the minimum word count of 250 words, containing only 178 words. As a direct result of this under-length, the development of ideas is limited, repetitive, and under-developed, preventing the response from reaching a higher band score. The position is stated, but the arguments are not fully extended or supported due to the brevity of the paragraphs.
Coherence and Cohesion: Band 5.0
The text is divided into multiple paragraphs, but the logical progression is weak and abrupt. Transitional phrases are basic or misused, such as starting a paragraph with 'There drawbacks as well as...'. Referencing is sometimes unclear, and the paragraphing does not reflect a well-structured essay format, featuring very short, fragmented paragraphs that lack internal cohesion. Overall, the organization feels disjointed and mechanical, fitting the descriptors for Band 5.
Lexical Resource: Band 4.5
The vocabulary used is quite limited and repetitive, with frequent spelling mistakes throughout the text, such as 'beleive', 'essentail', 'beneficail', 'buiness', 'inividuals', 'stragety', 'modration', and 'weath'. The student attempts some topic-related vocabulary like 'financial' or business concepts, but the high frequency of basic errors in word choice and spelling restricts the score to Band 4.5, as these errors occasionally impede smooth reading.
Grammatical Range and Accuracy: Band 4.5
The student demonstrates a very limited range of sentence structures, relying mostly on simple sentences with frequent basic grammatical errors. Examples include 'everyone can not survive in their lives' and 'the weath spend on needy ones.' Punctuation and capitalization are also problematic, with missing spaces after periods and lowercase letters at the start of sentences (e.g., 'future.I also agree'). Errors are frequent and often cause difficulty for the reader, aligning with a Band 4.5 level.
See this exact question answered at other band scores. The same prompt compared across bands.
Browse more IELTS Writing model answers or get your own writing scored by the same AI examiner.