Every orbiting moon is stretched by its planet's gravity: the near side is pulled harder than the far side, creating a tidal force that tries to tear the moon apart while the moon's own self-gravity tries to hold it together. The Roche limit is the orbital distance at which those two forces balance. Cross inside it and tides win — a loosely-bound body shreds into a ring of debris, exactly as is thought to have formed Saturn's rings.
d = 2.44 · R_planet · (ρ_planet / ρ_moon)^(1/3), shown here as the
translucent shell around the planet.Comet Shoemaker-Levy 9 was torn into a "string of pearls" by Jupiter's tides in 1992 after passing inside its Roche limit, then fell back and struck the planet piece by piece in 1994 — one of the few tidal disruptions ever directly observed.
A moon made of hundreds of individually-orbiting rock chunks holds together as a rigid sphere until it crosses the red Roche-limit shell — then differential Keplerian motion shears it apart into a debris ring.
Inside the Roche limit, tidal stretching from the planet overwhelms the moon's self-gravity. Because chunks closer to the planet orbit faster than chunks farther out (Kepler's third law), the moon shears itself apart rather than being "pulled" apart in one direction.
Drag the orbital distance slider inward past the red shell and watch the moon disperse; pull back out and it slowly re-coheres. Adjust moon/planet density to see the Roche limit itself grow or shrink, or let "Auto spiral-in" do the dragging for you.
Saturn's rings are thought to be the remains of a moon (or moons) that wandered inside the Roche limit and never re-accreted, leaving a flat disc of ice and rock instead.