Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-11-04

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)

I completely agree that saving money for the future is essential for everyone, including young people. Although young people spends thier incom on entertainment and personal interests, developing a habit of saving at early age can provide future financial secuirty and helps to achieve long-term goals.

The main reson of saving money for the future is that it provides financial support during unexpected situations. Peoples face emergencies such as medical expenses, family support, unemployement and picnics. For instant, a young employe can managed easily unexpected situation who save little bit incoms from his monthly salary rather than who spends thier income on his needs.

AI examiner evaluation

Task Achievement / Task Response: Band 4.0

Your position is clear from the opening: “I completely agree,” and you give a relevant reason by explaining that savings can help with unexpected situations. However, the response addresses the task only minimally: it develops just this one reason, gives no specific example beyond a brief hypothetical employee, and does not explain other ways saving benefits young people or everyone. The conclusion and fuller development of your argument are also absent. In addition, the response is 146 words below the required minimum, so there is not enough material to address the question fully. To strengthen your response, explain at least two distinct benefits, support each with a specific example, and finish by restating your position.

Coherence and Cohesion: Band 5.5

The response has a basic overall shape: an opening statement of agreement is followed by a paragraph giving a reason and an example. Linking expressions such as “Although,” “The main reason,” and “For instance” help show how the ideas relate. However, the progression stops after one supporting point, and there is no concluding paragraph to bring the argument together. The example is also difficult to follow because its comparison is compressed into one sentence. Develop a clearer sequence—position, separate supporting points, examples, and conclusion—and use pronouns and linking phrases to make relationships between ideas explicit. This would build on the organisation already present and make the response more coherent.

Lexical Resource: Band 5.5

You use relevant vocabulary for the topic, including “financial support,” “unexpected situations,” “medical expenses,” and “long-term goals.” These choices make your main message understandable. However, the range is limited, and several spelling errors or imprecise expressions reduce accuracy, such as “thier,” “incom,” “unemployement,” and “picnics” in a list of emergencies. Some phrases are also awkward, including “save little bit incoms” and “at early age.” Aim to use a wider set of precise terms for financial planning and emergencies, and check spelling carefully. More natural collocations would help you express your ideas clearly without changing their meaning.

Grammatical Range and Accuracy: Band 5.5

You attempt both a complex opening sentence with “Although” and simpler statements, so there is some variety in sentence structure. The main ideas can generally be understood, but errors in agreement, verb forms, and sentence construction are noticeable. For example, “young people spends” should use a plural verb, while “can managed” needs a base verb after “can.” The final example also has an unclear comparison: “a young employee can managed … who save … rather than who spends.” Practise building complete, parallel clauses and checking subject–verb agreement and modal verb patterns. More accurate control of these structures would make your argument easier to read.

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