Band 4.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 4.5 · Cambridge IELTS 19 · 2026-09-30

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 provides luxurious life. momey plays a crucial role in our lives. it is often argued by many people that it is vital for everyone in as well as yougster to save money for thier future. even though some might disagree with this statement i strongly agree because money can provide more opportunities.

There are multiple reasons associated with this topic, to begin with healthcare. with money people can have stable life more easily because money can effort good quality healthcare as a result human can prevent diseases very easily for example people can save money for future for different purposes like healthcare, education and diffcult situations. hence save money is a good habit.

Secondly,young people can use thier money to buy house or start a business also if someone loses their job they can use thier on daily expenses.for instance people can pay for treatment and medicine without borrow money. Hence money provides life stability.

Eventually, many students save money for higher education as a result students can more focus on studies and make more perfec

AI examiner evaluation

Task Achievement / Task Response: Band 4.0

The response addresses the prompt by taking a clear stance agreeing that everyone, including young people, should save money. However, the essay is severely underdeveloped and crucially fails the length requirement, containing only 177 words compared to the 250-word minimum. This significantly limits the development of ideas, leaving supporting points regarding healthcare, housing, and education somewhat truncated and incomplete, with the final sentence even trailing off unfinished ('make more perfec'). Because of the under-length penalty and lack of full extension, the response fits the Band 4 descriptors.

Coherence and Cohesion: Band 5.0

The text demonstrates some basic organisation with introductory and body paragraph transitions such as 'to begin with', 'Secondly', and 'Eventually'. However, the progression is hindered by repetitive phrasing, erratic punctuation, and incomplete sentences. Paragraphing is attempted, but the final paragraph breaks off abruptly. Referencing is sometimes unclear, and cohesive devices are used in a mechanical or repetitive fashion. Overall, the arrangement shows some basic coherence, but organizational faults and mechanical cohesion place it at Band 5.

Lexical Resource: Band 5.0

The vocabulary used is basic and repetitive, with frequent spelling mistakes ('momey', 'yougster', 'thier', 'effort' instead of afford, 'diffcult', 'perfec'). The student attempts some topic-related vocabulary such as 'healthcare', 'education', and 'business', but the limited range and noticeable errors cause difficulty for the reader and reflect a restricted lexical repertoire. This aligns well with the Band 5 descriptors.

Grammatical Range and Accuracy: Band 4.0

The text features a very limited range of structures, relying mostly on simple sentences with frequent punctuation and capitalization errors (e.g., lowercase letters at the beginnings of sentences like 'it is often argued'). Complex structures are rarely attempted and are often faulty or incomplete. Errors in grammar, such as missing prepositions or incorrect verb forms ('hence save money is a good habit'), are frequent and impede readability. This performance corresponds to a Band 4.

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

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