must do; unless/if you don't~
Expresses obligation ('must do') or a conditional warning ('if you don't, then...').
When used alone at the end of a sentence, ないと is a casual way of saying 'must' or 'have to'. It is a shortened form of ないといけない or なければならない. For example, '行かないと' means 'I have to go' or 'I must go'. It's common in everyday conversation, especially when reminding yourself or others of something necessary.
When followed by a consequence, ないと means 'if you don't do ~, then (a negative result)'. For instance, '勉強しないと、試験に落ちるよ' means 'If you don't study, you'll fail the exam.' In this usage, the second part often states an undesirable outcome or a warning.
Note that ないと is informal. In polite speech, you might use ないといけません or ないとだめです, but in casual conversation with friends or family, ないと is perfectly natural.