54!

I've found 54 ways to spell /zha NAY/-- real, true spellings used by parents in 1995 alone:

Chanae
Chaney
Genee
Jahnae
Janaay
Janae
Ja'nae
Janai
Janay
Ja'nay
Ja'nea
Janee
Jannae
Jaunae
Jeanae
Jea'nae
Jeanay
Jenae
Jenay
Jene
Jenea
Je'nea
Jenee
Jeneh
Jhanay
Jinae
J'nae
J'nae
J'ne
J'nee
J'net
Johnnae
Johnnai
Jonae
Jonay
Jonaye
Jonnay
Jynae
Shanae
Shanai
Shanay
Shanaye
Shanea
Sha'Nea
Shanee
Shaneye
Shenae
Shenai
Shenaye
Sheney
Zanae
Zchonae
Zhanae
Zhane