[v5 ない form] + と [v1 ない form] + と [する → しない] + と [来る → こない] + と
Shortened form of ないといけない / ないとだめ / ないとならない – ending is implied and omitted.
The structure ないと is a casual, conversational way of expressing "must do" or "have to." It is a shortened form of longer expressions like ないといけない, ないとだめ, or ないとならない, where the ending is dropped and the obligation is implied.
Literally, ないと means "if (you) don't…" – the implied continuation is that something bad will happen or that it won't do. This creates the sense of obligation or necessity.
Because the sentence trails off, ないと carries a softer, more conversational tone than the full forms. It is very common in everyday spoken Japanese.
The complete expressions that ないと abbreviates include:
ないといけない – "must do" (if you don't, it won't be okay)
ないとだめ – "must do" (if you don't, it's no good)
ないとならない – "must do" (slightly more formal)
Using just ないと on its own (without いけない, だめ, etc.) sounds casual and self-directed – as if reminding yourself of something you need to do. It is used in informal speech and often expresses a personal sense of urgency or obligation.
ないと expresses obligation about doing something. To say someone must not do something, a different structure like 〜~てはいけない is used instead.