Band 4.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 4.5 · Cambridge IELTS 19 · 2026-09-29
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)
It is important for every people also including young peoples to save money for their future life.
At first it is important to have money in your life because money is a thing which can give you happiness, beautiful life and also many facilities which you don't gain without it. In this age of life, all the things which we want to buy are becoming so expensive which a poor man can't have ability to buy.
Secondly, it is very essential for all the young ones to save money for their future life because in this age of time it not easy to survive life without any difficulty. Saving money can be proved helpful for you in your future's difficulty. If you have any disease in your old age, you can get treatment from any hospital using your wealth. By saving money you can provide a good environment to your children. In future, we don't know how difficult time can be come but money can erase your problems from your life.
In my opinion, its not a bad think to save money and also a very good habit for your future life if you want to enjoy your life in future. People who don't try to save some money, they face a lot of problems in their daily life and can't able to survive their life easily. So, we should try to save money instead of spent it on cheap works because if you have money in your account, you feels relax and don't have this type of negativity in your mind. We should just try to save money for our future needs.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.0 |
| Coherence and Cohesion | 5.0 |
| Lexical Resource | 4.0 |
| Grammatical Range and Accuracy | 4.0 |
| Overall | 4.5 |
Task Achievement / Task Response: Band 5.0
The response addresses the prompt by discussing the importance of saving money for the future, presenting a clear position agreeing with the statement. Ideas are introduced, such as providing for children, medical emergencies, and general survival, but they remain somewhat repetitive and underdeveloped. The second and third body paragraphs largely reiterate the idea that money solves problems and helps avoid difficulties without introducing diverse supporting arguments or fully exploring the economic implications. Furthermore, there is a tendency to overgeneralise with phrases like 'all the things which we want to buy' and 'poor man can't have ability'. Because the task is addressed with a clear stance and relevant, albeit limited, ideas, it aligns best with the Band 5 descriptor.
Coherence and Cohesion: Band 5.0
The essay is divided into an introduction, two body paragraphs, and a conclusion, showing a basic attempt at paragraphing. However, progression is somewhat impaired by repetitive phrasing and a lack of clear overall logical development. Cohesive devices are minimal and sometimes inaccurate, such as 'At first' and 'Secondly', and referencing is occasionally unclear, as seen in 'in this age of time it not easy to survive life'. While the text has an overall identifiable structure and does not descend into complete incoherence, the awkward transitions and mechanical linking place it firmly at Band 5.
Lexical Resource: Band 4.0
The vocabulary used is basic and repetitive, relying heavily on fundamental words like 'money', 'life', 'future', and 'time'. There are noticeable word choice and collocation errors, such as 'every people' instead of 'everyone', 'young peoples' (incorrect pluralisation), and 'spent it on cheap works' which impedes natural expression. Attempts at less common vocabulary are limited or inaccurate. The range is minimally adequate to convey the basic message, but the frequent lexical errors and lack of precision reflect Band 4.
Grammatical Range and Accuracy: Band 4.0
The student attempts a mix of simple and complex sentence forms (e.g., conditional structures like 'If you have any disease...'), but these attempts are frequently flawed by grammatical inaccuracies. Examples include 'it not easy to survive', 'how difficult time can be come', 'its not a bad think', and 'can't able to'. Punctuation and article usage are also problematic throughout the response. Due to frequent errors in grammar and word form that occasionally cause difficulty for the reader, the writing corresponds to a Band 4 level.
See this exact question answered at other band scores. The same prompt compared across bands.
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