Treasure hunter Brock Lovett has recently undertaken a secret mission to find the legendary Heart of the Ocean, an extremely rare necklace,with a stunning blue heart-shaped diamond. Through his tracking, he's pinned a possible location to the wreckage of the Titanic, the ship that sailed the famously fateful voyage in 1912. But Lovett is disappointed when he brings up the pinpointed safe from the wreckage and the diamond is nowhere to be found. He soon finds a picture in the safe of a nude woman, wearing a stone that looks remarkably like the diamond. During an interview, he shows the picture on television and, in return, receives an unexpected call from a 100-year-old woman, calmly asking him if he's found the Heart of the Ocean yet.
She and her granddaughter are transported aboard the research ship Keldysh to talk, and Mrs. Rose Dawson Calvert reveals she is Rose DeWitt Bukkater, a 17-year-old who was supposedly lost on the night Titanic sank. She sits down to talk about her short voyage on the Titanic. Lovett is very interested, as she was wearing the diamond the night the ship sank, according to the date on the picture, drawn by someone initialed J.D.
Rose reveals her story of being trapped, as a 17-year-old-pushed into an engagement with an obnoxious, 30-year-old Caledon Hockley, so as to hide her rich family's debts. Her mother is unsympathetic towards her plight.
During Rose's hard time coming aboard the Titanic, two men barely out of boyhood in a little cafe are in the midst of an intense game of poker with two burly Swedish men. At stake for them? Everything they have. At stake for the Swedes? Two tickets to travel back to America, on the liner Titanic.
The boys, Jack Dawson and Fabrizio, win, with 5 minutes to spare to get on the Titanic. In a wild race to get on board, they are allowed on, but aren't registered in their names, as a result of having the Swedes' tickets. Exhilarated, Jack and Fabrizio enjoy themselves, Jack jumping onto the railing guarding the back of the ship and crowing, "I'M THE KING OF THE WORLD!"
Later, they make a new acquaintance on board, an joking Irishman named Tommy Ryan. Jack is in the middle of drawing and chatting with Fabrizio and Tommy, he sees Rose walk out onto the higher 1st-class deck and stare across the boat. They chuckle at Jack, who's starstruck by Rose. Cal walks out to the deck and Rose angrily leaves. Rose, a free spirit crushed down by her sharp mother and rough fiancee, feels desperate and one night, decides to commit suicide by throwing herself off the back of Titanic. She is stopped by Jack. He manages to stop Rose from committing suicide, but as she tries to step back over the rail, she slips, and Jack barely manages to save her. Rose, screaming from terror and lying on the deck with a ripped dress, unwillingly puts Jack in quite a position when some crew members come running and, seeing her dress and Jack on top of her, having fallen from pulling her up, assume the worst. Jack is almost arrested, but Rose tells the men she was leaning over to see the propellers and she slipped. Jack goes along, at a pleading glance from Rose. Jack is given some money from Cal for Rose's rescue, but Rose scoffs and asks, "Is that the going rate for saving the woman you love?" Cal invites Jack to dinner with them the next night, and Jack agrees. All seems well, but Cal's bodyguard, Lovejoy, doesn't trust Jack one bit. Rose seeks Jack out the next day to thank him and ends up learning all about his life with no roots, and Rose's with too many. She snatches Jack's sketchbook and pores over Jack's drawings, which are exquisite.
The afternoon culminates with them making plans to ride horses in the surf someday and Jack teaching Rose how to spit-which comes to an awkward halt when Rose's mother, Ruth, and some of her friends appear. Rose's mother seems suspicious of Jack, but Molly Brown takes a liking to him and lends him her son's tuxedo, helping him prepare for his trip to the 1st-class world.
Everyone except Cal and Ruth Bukkater take an extreme liking to Jack at dinner. Jack, through his 3rd-class slips, catches their attention by informing them "I got everything I need right here with me. I got air in my lungs, a few blank sheets of paper. I mean, I love waking up in the morning not knowing what's gonna happen or, who I'm gonna meet, where I'm gonna wind up. Just the other night I was sleeping under a bridge and now here I am on the grandest ship in the world having champagne with you fine people. I figure life's a gift and I don't intend on wasting it. You don't know what hand you're gonna get dealt next. You learn to take life as it comes at you... to make each day count." Jack, ready to go back to 3rd-class, but still intrigued by Rose, invites Rose to "a real party" in 3rd class, which involves loud folk music, dancing, and rowdy fun.
Rose drinks, dances, and has the time of her life, but is spotted by Lovejoy and gets a rather loud talking-to from Cal at breakfast. Her mother forbids her to see Jack again, though it is obvious they are becoming interested in each other. Later, while the Hockley party is being given a tour, Rose is informed by Thomas Andrews, ship architect, that enough lifeboats for everyone were deemed unnecessary. Jack seeks Rose out and tells her that "I'm too involved now...you jump, I jump, remember!" He can't just leave her, as he's falling in love with her, but he can't have her, as he's only a 3rd-class artist.
Rose can barely stand feeling his hand on her face, but remembering her mother's admonishing that their money is gone and they need Rose to marry Cal and restore their fortune, tearily leaves him. When she goes to tea with her mother and sees a young girl being taught etiquette by her mother, Rose regrets the life she's chosen and seeks out Jack to tell him she's changed her mind. He helps her onto the railing of the boat and she says, in awe, "I'm flying!" Jack sings in her ear, "Come Josephine, in my flying machine, going up she goes, up she goes...", making her laugh. She turns to look at him, and the two share a kiss.
Rose, becoming exhilarated with her ability to free herself and be with the man she wants to be with, asks Jack to sketch a nude picture of her wearing the Heart of the Ocean which Cal gave her. When the picture is complete, she leaves it in Cal's ever-present safe with a note saying-"Darling-now you can keep both of us locked in your safe." She escapes Lovejoy in a chase throughout the ship, closely followed by Jack, and ends up in a cargo hold, where the two make love in a Model-T being transported. They run out onto the deck after escaping two guards, and Rose tells Jack she wants to get off the ship with him, leaving her old life behind.
They kiss, but are interrupted by a huge shudder-the ship has hit an iceberg. Mr. Andrews, the engineer, tells the captain that the ship will sink. People soon find out, and, at first, things seem to be going well......for Cal, at least. He has made a plan-he wants to make it appear as if Jack stole the Heart of the Ocean.
Jack is framed for stealing the diamond and is sent down to be chained up. Rose, still not sure if Jack is innocent or not, almost gets onto a ship with her mother and Cal, but rethinks it, realizing that Jack is innocent. She bids her mother goodbye and runs to save Jack. Cal, insane with rage, sputters at her, "To him?! To be a whore to a gutter rat?!" She returns confidently, "I'd rather be his whore than your wife." He grabs her arms and stops her, until she spits in his eye, finally mastering what Jack taught her.
After trying desperately to find Jack and the key that will release his handcuffs, Rose finally rescues Jack by breaking his handcuffs with an axe. As the ship continues to sink, 3rd-class, 2nd-class, and 1st-class passengers become desperate, eventually reduced to the same level of panic and fear, loss and exhaustion. Jack, having made his way up to the top deck with Rose, tells her to get on a lifeboat, but she refuses. Cal walks up to her and watches, sick, as he sees how attached they are to each other. In an attempt to save her, Cal tells her he has an arrangement so both he and Jack can get off safely. Jack agrees and pushes her to get into the boat.
Rose finally gets onto a boat, as Jack's fears are confirmed at the fact that Cal's arrangement only benefits Cal himself. Jack will die. Rose, unable to leave Jack, jumps off the boat and runs back to him. Jack, crying, hoarsely asks her why she did it. Rose, through tears of her own, reminds him, "You jump, I jump, right?" Cal, insane with anger, shoots at them as they run off, then falls to laughing at himself bitterly, remembering that he put the diamond in the coat that Rose is now wearing. Rose and Jack manage to stay on the ship until it reaches the sinking point. When the ship sinks, they are separated but find each other soon, Jack fighting off a man who tries to steal Rose's life jacket. They find a door floating in the water, but it can only hold one of them. Jack puts Rose on it, and as the cries of people asking the lifeboats to come back grow fainter and fade away, Jack makes Rose promise that "she'll never give up, no matter what happens....no matter how hopeless." One lifeboat comes back to look for people, but almost everyone is dead. Rose lying half-dead on the door, is holding Jack's hand and singing to herself softly the song Jack taught her, "Come Josephine, in my flying machine, going up she goes, up she goes..." She realizes the boats are coming, and shakes Jack's hand, telling him. When he doesn't respond, she rolls over and cries hoarsely, "There's a boat, Jack!" She finally accepts it; Jack has succumbed to the freezing water and has died of hypothermia. For a minute, she simply cries, lying on the door, as the boat gets farther away. Then she realizes she can't just give up, and starts calling the boat back. Her voice isn't strong enough for them to hear. She tearily releases Jack's body into the water, telling him, "I'll never let go...I promise." She then flounders over to pluck a whistle from a dead sailor's mouth and blows as hard as she can, making the boat turn around. She survives to get all the way to America and stands pondering the Statue of Liberty, standing in the pouring rain. A sailor comes up to her asking, ''Can I take your name please, love?'' Rose replies, "Dawson....Rose Dawson."
Bodine, Lovett's assistant, says they never found anything on Jack. Rose replies, "No, there wouldn't be would there? And I've never spoken of him at all, not to anyone...a woman's heart is a deep ocean of buried secrets. But now you know there was a man named Jack Dawson, and that he saved me...in every way a person can be saved. I don't even have a picture of him...he exists now only in my memory." Lovett gives up his search for the diamond, amazed by what he's heard. That night, alone, Rose crosses the ship, goes to the railing, and opens her hand to reveal The Heart of the Ocean, which she found in her pocket the night she came to America and has never sold. She drops it into the ocean; it can never be found now. That night, we see Rose sleeping, surrounded by pictures of her success as an actress, her family, and riding horses in the surf at Coney Island, just like Jack said they would.... (It is unclear beyond this point whether Rose is dreaming, or dead; Cameron, director of Titanic, leaves that up to the viewers.) We go down to the Titanic, seeing it restored. We walk into the dining room, where Jack's friends Fabrizio and Tommy and Cora, the band, Mr. Andrews, and all the others who died that night are standing, welcoming Rose with smiles. At the top of the stairwell, we see a familiar figure...and Rose walks up to him, takes his hand, and shares a kiss with Jack, reunited at last.
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(I probably worked way too hard on this. Oh well. :D)
