Same here. I'm 100% BIAB, and my efficiency is always around 74-78%. Get BeerSmith. It only costs $22.00 at Birdman Brewing, but I would easily pay north of $100.00 for all of the conveniences it provides. It does pretty much every brewing calculation you can think of automatically. When you get BeerSmith, take the time to set up a custom equipment profile for the equipment you use, and everything will be spot on.
Also, remember there are different BIAB techniques as well. Right now, I just mash in the entire water volume, with great results, but when I first started, I was concerned about efficiency as well. First, always make sure you double mill your grains for BIAB, whenever possible. If you want to do a more traditional sparge with BIAB, here's how it's done.
Let's say you have a 10lb grain bill that calls for 7.2 gallons of strike water. Instead of mashing in the whole 7.2, you can mash in anything above the typical 1.25qt/lb, then use the remaining water in a separate pot, so in this example that'd at least 3.125 gallons in the mash, let's make it 4 gallons, so then 3.2 in your sparge pot. Once the mash is complete, squeeze and drain the bag as much as you can into the original mash/boil kettle, then DUNK SPARGE the bag into the secondary kettle with the 3.2 gallons of water at sparge temps, like around 168-170. This accomplishes the EXACT same thing as a traditional batch sparge, rinsing the final remaining carbohydrates from the grain husks. Dunk it in and out several times, then squeeze and drain the bag again. Pour the secondary pot into the original pot, mashout for 10 minutes, and you're ready for the boil!
Anyway, I still use this method whenever I order an online kit and can't double mill, and it works great. If you are in love with sparging, that's how it's done in BIAB!