“必须” is an adverb, usually used to modify a word or phrase which can be regarded as a verb as a whole.
E.g.
你必须停止玩游戏。
Here 停止 and 玩游戏 are a verb and a phase which can be regarded as a verb respectively. And 必须 therefore has been used.
"必需" is an verb, usually used to modify a word or phrase which can be regarded as a none as a whole.
E.g.
房间中只有一些日常生活必需用品。
Here 用品 is a none and therefore 必需 has been used.
You could also refer to other examples in this page that have been taken by other italki users. Rules hold for these examples as well.
Apart from these, pls notice there is an special case that “必需”, "所" and "的" can be used together as a combining form, that is, "所必需的".
E.g.
这些软件是我们发展业务所必需的。
This sentence of example means these software is required for our business development.
Ref.
http://book.sina.com.cn/nzt/ele/wangyouwenzi/19.shtml
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I don't know whether this explanation make sense. If some confusing points still remain, just feel free to let me know.