Virtual memory is not limited by the size of pointers to memory in the machine, the limitations of virtual memory do not match the address space of the memory. You can address more virtual memory than is available in your pointer-based address space using paging.
The upper limits of virtual memory are set by the OS: for example. The 32-bit version of Windows is limited to 16 TB, and on 64-bit Windows it is limited to 256 TB.
The maximum limit is the physical disk space.
To determine how much virtual memory you need, since the user system contains a different amount of RAM, it is based on the system. By default, the OS will set the appropriate size for virtual memory. By default and the corresponding size of virtual memory:
<Amount_Of_System_Memory> * 1.5 = <Default_Appropriate_Size_Of_Virtual Memory>
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