After braving several obstacles, Jack and Rose return to the boat deck. The lifeboats have departed and passengers are falling to their deaths as the stern rises out of the water. The ship breaks in half, lifting the stern into the air. Jack and Rose ride it into the ocean and he helps her onto a wooden panel only buoyant enough for one person. He assures her that she will die an old woman, warm in her bed. Jack dies of hypothermia but Rose is saved.
With Rose hiding from Cal en route, the RMS Carpathia takes the survivors to New York City where Rose gives her name as Rose Dawson. She later finds out Cal committed suicide after losing all his money in the 1929 Wall Street crash.