84 years later, a 100 year-old woman named Rose DeWitt Bukater tells the story to her granddaughter Lizzy Calvert, Brock Lovett, Lewis Bodine, Bobby Buell and Anatoly Mikailavich on the Keldysh about her life set in April 10th 1912, on a ship called Titanic when young Rose boards the departing ship with the upper-class passengers and her mother, Ruth DeWitt Bukater, and her fiancé, Caledon Hockley. Meanwhile, a drifter and artist named Jack Dawson and his best friend Fabrizio De Rossi win third-class tickets to the ship in a game. And she explains the whole story from departure until the death of Titanic on its first and last voyage April 15th, 1912 at 2:20 in the morning.
1912年4月10日，号称 “世界工业史上的奇迹”的豪华客轮泰坦尼克号开始了自己的处女航，从英国的南安普顿出发驶往美国纽约。富家少女罗丝（凯特•温丝莱特）与母亲及未婚夫卡尔坐上了头等舱；另一边，放荡不羁的少年画家杰克（莱昂纳多•迪卡普里奥）也在码头的一场赌博中赢得了下等舱的船票。 罗丝厌倦了上流社会虚伪的生活，不愿嫁给卡尔，打算投海自尽，被杰克救起。很快，美丽活泼的罗丝与英俊开朗的杰克相爱，杰克带罗丝参加下等舱的舞会、为她画像，二人的感情逐渐升温。1912年4月14日，星期天晚上，一个风平浪静的夜晚。泰坦尼克号撞上了冰山，“永不沉没的”泰坦尼克号面临沉船的命运，罗丝和杰克刚萌芽的爱情也将经历生死的考验。