Hi Stanley
For ZnO and SPF, it is somehow tricky it depends a lot on the Grade of ZnO you are using for the formulation what kind of Spf you really get as well as on the Formulation and the distribution habits for the ZnO.
but there are some helpers out there you can Register for example on the https://www.sunscreen-optimizer.com/
there you can find ZnO as an ingredient and you can add different amounts of it and see how the estimated SPF value will be.
the results are quite good but due to the fact that especially with a mineral Sunscreen filter the distribution on the skin is a major factor for SPF, and that is influenced by your formulation a lot, you will need to try it in a test
there is a regulatory maximum you are allowed to use (at least in Europe) that is 25 % the estimated SPF for a cream with 25 % ZnO would be around 15 -16.
I hope that answers your questions and helps you.
Tobias