“Necessity is the mother of invention.” The global imperative to transition from fossil fuels to renewable energy sources, driven by the pressing issue of climate change, highlights the significance of advancing solar energy technologies. While single junction solar cells have reached a peak efficiency of approximately 31 %, the pursuit of higher efficiency has led to the exploration of tandem solar cell architectures, including perovskite-silicon and all-perovskite configurations. However, the widespread use of lead in perovskite structures raises environmental and health concerns. In response to these challenges, this study proposes a novel approach by integrating a tin-based wide bandgap absorber layer with a silicon HIT solar cell (Heterojunction with Intrinsic Layer). The investigation consists of an extensive exploration of six different carrier transport layers (CTL) for the top perovskite layer, considering variations in thickness and defect density. A comprehensive analysis of charge carrier dynamics within the device is conducted to understand the role of defect density in influencing solar cell performance parameters. Simulation results show that the overall tandem device gives an encouraging PCE of 32.12 % in 2 T configuration due to its excellent high value of current density matching 17.63 mA/cm2 and open-circuit voltage of 2.19V. We sincerely hope that our work will open new avenues in the field of Solar Photovoltaics paving the way for future innovations.