Also--purists may cringe here, but...
There's absolutely nothing wrong with topping off if you need to. If you calculated for 5.5 gals at 1.050, say, and actually boiled down to 4.5, then your gravity is going to be more like 1.061. (You're not boiling off sugars, you're boiling off water).
So I say go ahead and top off to your target volume.
It's very hard to calculate exactly, as other's have mentioned. I usually figure better to undershoot your volume (and maybe have to top off a little) than to overshoot it and have to boil longer (which will screw up your hops times if you don't realize it until the end of the boil.)