The development of highly efficient lead-free solar cells is essential for sustainable energy production in the face of depleting fossil fuel resources and the negative effects of climate change. Perovskite solar cells (PSCs) containing lead pose considerable environmental and public health hazards, in addition to thermal stability and longevity challenges. Here, a novel lead-free solar cell design of the configuration, ITO/PC61BM/CH3NH3SnI3/PEDOT:PSS/Mo, is investigated for improved light harvesting capabilities, enhanced device performance, and better operational efficiency under various temperature conditions. The optimal thickness of the light-absorbing layer, CH3NH3SnI3, was found to be 1000 nm for maximum quantum efficiency (QE). Further, the temperature tolerance of the solar cell was evaluated using Mott-Schottky (MS) capacitance analysis and showed that the model cell retains about 95% of its power at 400 K, demonstrating excellent thermal stability and robust performance. The solar cell also shows promising electrical output parameters, including a short-circuit current density (Jsc) of 34.84 mA/cm², open-circuit voltage (Voc) of 1.5226 V, Fill factor (FF) of 71.04%, and an impressive power conversion efficiency (PCE) of 37.66% at 300 K. The effect of buffer layers such as CdS, ZnS, ZnSe, and V2O5 on the electrical outcomes of the model cell structure has been critically examined. Additionally, parasitic resistances and doping characteristics on the operational performance of the cell have been explored in detail. This work therefore, provides remarkable insights in the field of solar energy harvesting, offering potential sustainable energy generation solutions, supporting de-carbonization of the environment and climate change mitigation efforts towards an energy sustainable future.